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The development of technology gives influence to the banking service, then it prompts to the emergence of the electronic banking which synergizes the traditional banking (offline services) and something more fresh (online services) so the transaction can be easily run through the real-time online services. The purpose of this research is to examine factors influencing individual belief to the adoption of electronic banking based on independent service, and supported by 100 students to be the samples of the research. The research conducts maximum like-hood with structural model test as the analysis technique. The result generates, the behavioral which confirms the synergy between belief, attitude, and intention are theoretically proved. However, a number of limitations contained in this research enable any further research about internet banking. DOI: 10.5901/mjss.2015.v6n4p442

Factors Influencing Individual Belief on The Adoption of Electronic Banking