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Internet banking has emerged as one of the most profitable E-commerce applications over the last decade. Although several prior research projects have focused on the factors that impact on the adoption of information technology or Internet, there is limited empirical work which simultaneously captures the risk factors that help customers to adopt online banking. The aforementioned factors cause complexity, challenge, ambiguity and risk feeling in the customers who use electronic capabilities. The main goal in this paper is to study the major risk factors that influencing the customer’s intention to use of Internet Banking. Therefore, five groups of risk were identified as performance, security, time, social and financial categories. Based on an empirical study in the field of Internet Banking, the authors validated a measurement model used to explain customers’ intention to use of Internet Banking, based on the above risk factors. The results indicated that all the risk factors are significant to the intention to use of Internet Banking. The knowledge of these risks as major factors of customer’s adoption and perception in the internet provides banks as a useful tool for the establishment of an effective quality management for their e-businesses. Keyword: Perceived Risk Model, Internet Banking, Risk Factors, Risks in adoption of online banking, SEM based risk model, Risk effects, Adoption of internet banking, Online banking adoption, issues in internet banking adoption and E – Security.

Analyzing the Effect of Risks on Adopting Internet Banking using SEM approach