“…In this study, adoption process of potential digital banking users are explained through perceived usefulness, perceived ease of use and social influence from the theoretical framework of TAM (Davis, 1989) and compatibility, trialability and observability from the IDT (Rogers, 2003). The integration of TAM and IDT models for analysing individual readiness in adoption of new technology have been tested for the usage of smart home (Hubert et al, 2018), Uber mobile application (Min, So, & Jeong, 2019) and green building technology (Wang, Zhang, Su, & Deng, 2019). This will be the first study to apply both theoretical models in determining factors influencing behavioural intentions towards adopting digital banking services based on Malaysian perspectives, as shown in Figure 1.…”