Zeinab Molavi - Faculty of Management & Accounting University of Tehran Tehran, Iran
Naghmeh Sheikh Hassani - Faculty of Management & Accounting University of Tehran Tehran, Iran

Banking is an information-intensive business in which information technology (IT) is increasingly important. Despite of investment on e-banking systems in recent decades, reports show that these technologies are not competently welcomed by customers. This study aim to identify affecting factors on customers’ intendancy of e-banking use. In present study, Theory of Planned Behavior model use to explain customers’ intention to use e-banking. Research statistical population consists of customers of Passargad and Meli Banks in Qom. Sampling method for Bank Meli is cluster method. Simple random method is used for Passargad Bank. Questionnaire is data collection instrument in this study. Totally, 150 filled questionnaires were returned. Structural Equation Modeling was used to analyze the data. The results of SEM confirm model fitness in studied population. Likewise, the results from path analysis show that perceived behavior control and subjective norm have significantly direct influences on intention to use. However, the findings indicate that perceived behavior control has significantly indirect influence on intention to use and attitude has non-significant influence on intention to use.

E-banking, Intention to use e- banking, Theory of planned behavior