The TRA (Fishbein And Ajzen, 1975).

The TPB is an extension of the well‐known TRA (Fishbein and Ajzen, 1975). Both the TRA and the TPB assert that behavior is a direct function of behavioral intention. With the TRA, that intention is modeled as the weighted sum of attitude and subjective norm (Fishbein and Ajzen, 1975). Like the TRA, the TPB postulates that behavioral intention is a function of attitude and subjective norm. However, an additional construct, perceived behavioral control (PBC) is added to the TPB model to account for situations where individuals lack complete control over their behavior (Ajzen and Madden, 1986). Notably, a number of empirical studies have found a relationship between PBC and intention (Ajzen, 1991). Perceived behavioral control refers to belief of the individual concerning control weighted by the perceived facility, that is, of the efficacy of the control factor in either inhibiting or facilitating the behavior. Control beliefs reflect the perceived difficulty (or ease) with which the behavior may be effected (Ajzen, 1991). Perceived facility acts as an importance weighting (Ajzen, 1991). The association between control beliefs and PBC has been

It is also defined as “the degree to which an innovation is perceived as relatively difficult to understand and use”. Innovative technologies that are perceived to be easier to use and less complex have a higher possibility of acceptance and use by potential users. Thus, complexity would be expected to have negative relationship to attitude. Complexity (and its corollary, ease of use) has been found to be an important factor in the technology adoption decision (Davis et al., 1989). As the Internet is very user friendly with its “point and click” interface, it is likely that potential customers may feel that Internet banking services are less complex to use, and hence are more likely to use