Advances in electronic banking technology have created novel ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services has been rapid in many parts of the world, and in the leading e‐banking countries the number of e‐banking contracts has exceeded 50 percent. Investigates online banking acceptance in the light of the traditional technology acceptance model (TAM), which is leveraged into the online environment. On the basis of a focus group interview with banking professionals, TAM literature and e‐banking studies, we develop a model indicating online‐banking acceptance among private banking customers in Finland. The model was tested with a survey sample (n=268). The findings of the study indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing online‐banking acceptance.

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Information systems Security (ISS) behavioral research has produced different models to explain security policy compliance. This paper (1) reviews 11 theories that have served the majority of previous information security behavior models, (2) empirically compares these theories (Study 1), (3) proposes a unified model, called the unified model of information security policy compliance (UMISPC), which integrates elements across these extant theories, and (4) empirically tests the UMISPC in a new study (Study 2), which provided preliminary empirical support for the model. The 11 theories reviewed are (1) the theory of reasoned action, (2) neutralization techniques, (3) the health belief model, (4) the theory of planned behavior, (5) the theory of interpersonal behavior, (6) the protection motivation theory, (7) the extended protection motivation theory, (8) deterrence theory and rational choice theory, (9) the theory of self-regulation, (10) the extended parallel processing model, and (11) the control balance theory. The UMISPC is an initial step toward empirically examining to what extent the existing models have similar and different constructs. Future research is needed to examine to what extent the UMISPC can explain different types of ISS behaviors (or intentions thereof). Such studies will determine to what extent the UMISPC needs to be revised to account for different types of ISS policy violations and to what extent the UMISPC is generalizable beyond the three types of ISS violations we examined. Finally, the UMISPC is intended to inspire future ISS research to further theorize and empirically demonstrate the important differences between rival theories in the ISS context that are not captured by current measures.

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