• Ni Nyoman Kerti Yasa Economics and Business Faculty of Udayana University Jl. P. B. Sudirman Denpasar, Bali 80232
  • Luh Putu Rara Ayu Ratnaningrum Master Program in Management of Udayana University Jl. P. B. Sudirman Denpasar, Bali 80232
  • Putu Gde Sukaatmadja Economics and Business Faculty of Udayana University Jl. P. B. Sudirman Denpasar, Bali 80232



Internet Banking, TAM, Perceived Ease of Use, Perceived Usefulness, Attitude toward Using, Actual Usage


The analysis unit of this study was clients of the five major banks in Denpasar. This study aimed to analyze the implementation of internet banking using Technology Acceptance Model (TAM) approach. The research method was SEM which was processed by using SPSS dan AMOS. The results of this study showed that both perceived ease of use and perceived usefulness had significant and positive effects on the attitude towards using internet banking. Both perceived ease of use and perceived usefulness also had positive and significant effects on actual usage. Attitude toward using had a significant and positive relationship with actual usage.


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