Factors influencing initial trust formation in adopting internet banking in Indonesia

Consumer reluctance to accept and to use electronic commerce has been attributed to lack of trust, uncertainty, information infringement, and security as well as privacy in e-commerce systems. This study develops a framework for incorporating the formation of initial trust of Indonesia´s Internet banking consumers and its services usage intention in order to properly understand factors influencing technology acceptance. A research model and hypotheses will be proposed to illustrate the relationships between the measured variables. The study will draw some related conclusions including a discussion of findings and deserving implications.