Asian Cuisine

Like many other global cuisines, Asian cuisine is as varied as the countries on the continent. Asian cuisine is very much a part of the culture and history of the Asian countries but there are some food commonalities between the various cultures. In Asian cooking, the emphasis is on smaller portions, smaller amounts of meats and plenty of fresh fruits and vegetables. Unlike the Asian-hybrid cooking that can be found elsewhere, traditional Asian food preparation involves very little fat, and very rarely is anything deep fried. While there are few commonalities binding Asian cuisine, there are many more differences that are based primarily on location. East Asian cuisine encompasses Chinese and Japanese cuisines as well as cuisines from Taiwan and Korea. Chinese cuisine is perhaps most famous for its Peking Duck as well as the myriad dumplings, steamed buns and stir-frys that are staples of Chinese cooking. Be sure to try different styles of Chinese cuisine such as Cantonese or Shandong. Chinese usually eat congee porridge for breakfast. China is also renowned for its many varieties of tea; this ancient beverage has been enjoyed for thousands of years in China. Japanese cuisine focuses on the freshness of ingredients and foods that are prepared more simply but with great finesse. Theirs is a very healthy cuisine, and they are known for eating myriad varieties of fresh fish. A must see market for foodies and culinary travelers in Japan, is the Tsukiji Market which is the world’s largest fish market. Have some sushi for breakfast, while watching all the hustle of the market. South Asian cuisine is also known as Desi cuisine and includes the exotic flavors of India. India has plenty of restaurants but the street food culture remains ever popular. This no frills kind of eating is particularly popular in Delhi. Also popular on a more global scale is Thai food. Pad Thai is universally recognized as the national dish of Thailand, and makong is a kind of Thai whiskey that has become much more affordable since the government started taxing beer and thus much more popular. Makong is the primary ingredient in Thailand’s welcome drink, the Sabai Sabai. The island nation of Laos has laap as its national dish but also popular is a salad called tam mak houng, made from green papayas. In the capital city of Vientiane, Laos you can drink a Beerlau at Sala Sunset Khounta boat on the banks of the Mekong while watching the sunset. The Philippines is well known for the adobo cooking style which is a preparation of chicken or pork that is braised slowly in vinegar, garlic, oil and soy sauce until very tender and nearly dry. In Vietnam, pho is of course the national specialty. Bali Indonesia’s national dish is nasi goreng and in Cambodia one can find amok, a dish of curried and steamed fish, as the national dish. On the islands of Java, or Sumatra, see if you can drink the rarest and most expensive coffee in the world, called Kopi Luwak, it’s made from coffee berries that have passed through the digestive system of Indonesian monkeys (also known as a Palm Toddy Cat). Southwestern Asian cuisine begins to borrow flavors and ingredients typically indigenous to countries in the Middle East, though they retain the focus on freshly prepared and simple dishes that are nutritious and packed with flavor. Asian cuisine is exotic and flavorful. The clever use of cooking techniques and spices has transformed what were originally humble peasant food dishes into specialties that are now known the world over. Conversely, with many Asian countries having a separate cuisine for the historical ruling King or Royal Family, the dichotomy between humble and royal food has lessened and dishes that were once only served to royalty can now be found in any common Thai restaurant. Nonetheless, traveling through Asia takes you on a tour not only of wildly exotic countries but of foods that are distinctly different from country to country.

3 Ways LinkedIn Times Are AChangin

3 Ways LinkedIn Times Are AChangin Vinyl is making a comeback, 40 is the new 30, and snail mail often makes a bigger impression than email. Indeed, as years go by, a lot of things are changing. And a lot of things are moving â€Å"backward† as they move forward. I’ve been hyper-aware of this phenomenon lately. But I have also been fascinated by how new technologies are replacing, or supplementing, the way things have been done in the past. I thought I’d share with you some of the interesting shifts happening in this regard in the world of LinkedIn. 1. Your LinkedIn profile is being used to evaluate your credit risk! Loan qualification isn’t just about credit scores anymore. Lenders now consult social media to gain a more comprehensive picture of loan applicants before shelling out dough. Lending Club and Prosper are two companies who use the information you share online (Facebook and LinkedIn updates, tweets, and blog posts) to evaluate your application. And DRB Student Loan has built a proprietary model that parses metadata from social media channels to build a reliability score that can supplement your FICO. If you as a borrower can show on social media that you are hard-working, dependable, and likely to honor financial commitments, perhaps you will pass the character test for getting a loan. See Could Your LinkedIn Profile Be Your New Credit Score? 2. LinkedIn could be the new U.S. News and World Report. For 30 years (and for as long as I can remember), U.S. News World Report has been the go-to publication for college rankings. I was not able to determine from Google research when they began publishing graduate school rankings as well, but I know that my first step in determining top schools has always been U.S. News World Report.Then, in early 2015, LinkedIn introduced its University Rankings and Graduate School Rankings based on how many successful professionals in various fields attended each university. This is a very limited criterion compared with the complex algorithm used by U.S. News World Report. However it could be quite useful! Here’s a sample of what you’ll find if you want to know the best schools to attend to be an accounting professional: 3. About.me is competing with LinkedIn for college students’ attention. As LinkedIn becomes more powerful, some platforms are going after its gaps and filling them. About.me, a personal homepage website, is launching a new Campus section that aims to help college students shine even if they don’t have enough work experience to create a robust LinkedIn profile. On about.me, a â€Å"Campus Faves† program has been created where students will be able to nominate themselves to be one of 15-20 students who are featured each week. Students can also be nominated by a professor or by their college’s career services department. If being chosen as a Campus Fave becomes a known indicator of extraordinary leadership qualities, then the status of being a Fave could make a difference in a student’s attractiveness as a job seeker! About.me will also be making strides in the area of matching students with internships. Important note: About.me will in no way replace LinkedIn, and in fact every about.me profile has a link available to the person’s LinkedIn profile. Have you noticed other surprising places where LinkedIn is becoming influential, or where other platforms are encroaching on what has seemed to be LinkedIn’s territory? Will LinkedIn buy about.me? What do you think? Please share your thoughts below! 🙂 Log in to Reply

The Chemistry of Love

The Chemistry of Love According to Dr. Helen Fisher, a researcher at Rutgers University, chemistry and love are inextricable. Shes not speaking, though, of the chemistry that makes two people compatible. Instead, shes speaking of the chemicals that are released into our bodies as we experience lust, attraction, and attachment. Chemicals in Each Stage of Love We may think that were using our heads to govern our hearts, but in fact (at least to a degree) were simply responding to the chemicals that help us experience pleasure, excitement, and arousal. Dr. Fisher says there are three stages of love, and each is driven to a degree by a particular set of chemicals.  Ã‚  There is a lot of chemistry involved in feeling attachment, sweaty palms, butterflies in your stomach, etc. Take a look at some of the key biochemical players. Stage 1: Lust If youre feeling eager for a sexual encounter with someone (even if youre not quite sure who youll end up with), chances are youre reacting to the sex hormones testosterone and estrogen. Both of these hormones play an important role in increasing libido in both men and women. Testosterone and estrogen are generated as a result of messages from the hypothalamus of the brain. Testosterone is a very  potent aphrodisiac. Estrogen can make women more libidinous around the time they ovulate (when estrogen levels are at their peak). Stage 2: Attraction Lust is fun, but it may or may not lead to real romance. If you do make it to stage 2 in your relationship, though, chemicals become increasingly important. On the one hand, chemicals associated with attraction can make you feel dreamy. On the other hand, they can make you feel anxious or obsessive. People who are in this early phase of falling in love may even sleep less, or lose their appetite!   Phenylethylamine or PEA: This is a chemical that naturally occurs in the brain and is also found in some foods, such as chocolate. It is a stimulant, much like an amphetamine, that causes the release of norepinephrine and dopamine. This chemical is released when you are falling in love. Its responsible for the head-over-heels, elated part of love.Norepinephrine: When PEA causes this chemical to be released, you feel the effects in the form of sweaty palms and a pounding heart.Dopamine: Dopamine is a neurochemical that appears to be associated with mate selection. An Emory University study found that voles (a type of rodent) chose their mate based on dopamine release. When female voles were injected with dopamine in the presence of a male vole, they could select him from a group of voles later. Stage 3: Attachment Now that youre really committed to someone else, chemicals help you stay connected. Oxytocin: Dopamine triggers the release of oxytocin, which is sometimes called the cuddle hormone. In both genders, oxytocin is released during touching. In women, oxytocin is released during labor and breastfeeding.Serotonin: A chemical that is more prevalent among people with compulsive disorders, serotonin can increase our dependence on another person.Endorphins: Your brain acquires a tolerance to the love stimulants and starts to release endorphins. The honeymoon is over, chemically, around 18 months to 4 years into a relationship. However, this isnt all bad.  Endorphins are associated with feelings  of attachment and comfort. Endorphins are like opiates. They calm anxiety, relieve pain and reduce stress.

Market rate of return Assignment Example | Topics and Well Written Essays - 750 words

Market rate of return - Assignment Example If it is observed that the returns are consistently below the SML line, it will mean that the stock is expected to rise, while if the returns are seen to be consistently above the line, then it will mean that the stock is due for a drop. Graphing the SML for a particular stock requires a stock with a beta that is higher than 1 and this usually outperforms the market, while a beta that is less than 1 implies that it underperforms the market (Shanken, 56). The y-intercept of the SML is equal to risk-free rate. The SML slope is equal to market risk premium and it usually reflects the return trade of a given time. Beta is termed as non-diversifiable or systematic risk. Basing on the generated regression line the equation created is=8.375x-0.166 Going by beta values, the security market line indicates that the relationship between return and risk is linear for the individual securities. For instance, increased return= increased risk. Essentially it indicates what return someone needs to e arn on an investment for it to be worth taking, and this is seen to increase with the investment riskiness. The Security Market Line formula is as below: Required Return = Risk Free Rate + (Beta x [Market Return - Risk Free Rate]) Calculate 95% confidence intervals for the slope and y-intercept. SUMMARY OUTPUT Regression Statistics Multiple R 0.997314 R Square 0.994636 Adjusted R Square 0.992848 Standard Error 0.005276 Observations 5 ANOVA Â   df SS MS F Significance F Regression 1 0.015486 0.015486 556.2975 0.000167 Residual 3 8.35E-05 2.78E-05 Total 4 0.01557 Â   Â   Â   Â   Coefficients Standard Error t Stat P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0% Intercept 0.020428 0.004799 4.256403 0.023776 0.005154 0.035702 0.005154 0.035702 X Variable 1 0.118761 0.005035 23.58596 0.000167 0.102737 0.134786 0.102737 0.134786 RESIDUAL OUTPUT Observation Predicted Y Residuals 1 0.04418 0.00582 2 0.079809 -0.00481 3 0.109499 -0.0045 4 0.162942 0.002058 5 0.19857 0.00143 Look up t he current return on one-year Treasury bills/notes as your risk-free rate. Two good sources. In your report, please state your source and the date used. http://fxtrade.oanda.com/analysis/economic-indicators/united-states/rates/yield-curve Date used; November 29, 2013 My risk free rate is 0.05 Given the current risk-free rate, is the regression estimate of your risk-free rate match the actual current risk-free rate? Use confidence intervals to help answer this question. Basing on the confidence interval calculation above, the regression estimate of my risk free rate does not match the actual current risk-free rate because it falls outside the interval or range of 0.10273 and 0.13478 What is the current expected market rate of return (based on your regression)? Basing on my regression, the current expected market rate of return is as below; Using the equation generated from the regression; Y=8.375x-0.166 The current expected market rate of return is equal to X Therefore X=(y+0.166)/8. 375 But we are given Y which is 0.05. The X will now be (0.05+0.166)/8.375=0.02579 Therefore, the current expected market rate of return is 0.02579 Works Cited Shanken, J.On the Estimation of Beta-Pricing Models,"Review of Financial Studies, 5(1), 1{33,1992. Print Shanken, J.,and G.

The Historical Value of Turgenev's Fathers and Sons with Gogol's Essay

The Historical Value of Turgenev's Fathers and Sons with Gogol's Inspector General - Essay Example This essay analyzes the Russian history presented in the â€Å"Fathers and sons† by Turgenev and â€Å"Inspector general† by Gogol, that both have outlined historical issues in Russian society in a similar way. The two books have also been contrasted through the characters, themes and the historical allusions. In the novel â€Å"Fathers and sons,† the author shows the difference between two generations of life. During this time, there were cultural differences between the liberals and the growing nihilist uprising. In the other book, the â€Å"Inspector general,† the author has focused on mistaken identity committed in the Russian society. These two books have common similarities and differences, which have been asserted through the mode of translation, the author’s concerns, the cultural and historical differences especially in history and literature. The researcher of this essay has analyzed how the two different authors tried to bring out their c haracters, which reflect the Russian literature in both content and history. The two authors have tried to bring out the foundation for the Russian literature and it portrayed history of the Russian republic. Turgenev reveals struggles that exist within families in his book since he tries to explain what it means to someone’s child or parent. This novel highlights whereby children are disrespectful and revolt against their families or parents. On the other hand, Gogol laid down the establishment or foundation of the 19th century Russian realism with his book that criticized government injustices.

The implications of the Euro-Zone Crisis and Its Impact on India Essay

The implications of the Euro-Zone Crisis and Its Impact on India Economy - Essay Example India is not part of the Euro-zone but it is a recipient of the crisis as the zone forms its larger market in Europe. We shall look more on the Euro-zone crisis; its genesis, forces behind it and the measures taken to deliver it from total breakdown. We shall also be seeking to understand India’s economy and the economic imbalanced it can be if its market is understood. Lastly we shall conclude with the long term effects of the global economy in India. The Euro-zone is a union composed of 18 member countries that use Euro as a common currency. The countries in the Euro zone compose of Netherlands, Slovakia, Italy, Latvia, Ireland, Luxembourg, France, Finland, Germany, Cyprus, Estonia, Austria, Belgium, Slovenia, Spain, Greece, Malta and Portugal, (EU publication office 2009, 23). The euro zone is under European central bank that is governed by a president. It also has a board that oversees the working of the bank. The bank is mandated to see that inflation is put under control. There is also the euro group that makes decisions regarding the politics of the union and the euro (Gupta & Gupta 2010, 42). In the late 2000, there was a financial crisis and the Euro group acted by establishing provisions that would allow the group to give emergency loans to member countries in return for endorsement of economic reforms. These helped the member countries to get onto their feet from the high-unanticipated inflation that had taken centre stage in the many countries (Singh 1997, 82). Many countries member of the Euro zone do not use the Euro currency as the main currency in their countries but use it to do business in the Euro zone and European Union at large. There are other countries that are part of the European Union but do not fall under the Euro zone. These countries include; Andorra, San Marino and Vatican City. They use Euro as their currency (European communities 2004, 94) A number of factors caused the Euro zone crisis. These included

User Adoption Momentum of E Banking In Malaysia

User Adoption Momentum of E Banking In Malaysia In the era of globalization and with the increasing competition in all the fields around the world many companies have modified their strategies so they can reach their customers around the world easier and cheaper. However the rapid growth of systems that rely on electronic technology especially those relating to the Internet and personal computer- led to a significant change in the exchanging of products and services. Many  Service organizations have adopted modern technology to reduce costs and enhance customer service quality, delivery, and standardize core service offerings. In addition a lot of non-banking companies entered the banking industry by offering products and financial services, giving the customers a lot of options and alternatives to carry out their banking transactions, this difficulty of the business process in the financial sector forces the banks to develop an alternative technological channel to attract customers and improve their perception. The rapid technological diffusion makes the internet the best way to provide customers with banking services regardless of the limits of time and geography. And thats what makes banks  consider the  internet as an important part of their strategic plans. Internet technology has changed the design and the way of delivering the financial services and as a result the banking industry has made continuous innovations especially in the field of communications and information technology that ultimately led to the emergence of the idea of what is known as the online banking. Banking services through the internet is a way to keep the existing customers and attract others to the bank, In this paper we define online banking as an internet portal, through which customers can use different kinds of banking services ranging from bill payment to making investments (Pikkarainen et al., 2004). Compared to the traditional approach, online banking is an inexpensive straightforward way to conduct banking business, exchange of personalized information and buying and selling goods and services from any place at any time. Despite the many benefits provided by this service to the bank and its customers, it remains a double-edged sword and not used by every customer, because the increasing distance between the bank and customers may lead to lack of confidence and an increasing in security concerns. As a result, the quality of electronic banking services become an important area of attention among the researchers and banks managers due to its strong influence on the business performance, lower costs, customer satisfaction, customer loyalty, and profitability (Seth et al., 2004). The main objective of this study is to focus on the importance of understanding the customers perception about internet banking by investigating and measuring the impact of selected factors such as perceived usefulness (PU), perceived ease of use (PEOU), security and privacy (PC) and how they can influence the customer acceptance to conduct banking transactions via the internet, Based on the empirical data collected from individual customers in Bahrain. In the next section we will give some background information about the internet banking sector and review the relevant literature in this area, the following section describes the research methodology, which is then followed by the data analysis and the results from the survey, The paper concludes with a discussion, outlining the implications of the findings and the limitations of the study. 2.0 LITERATURE REVIEW Technology Acceptance Model (TAM) External variables Perceived usefulness Perceived ease of use Behavioral intention Actual system use Figure 1: The original Technology Acceptance Model (Davis, 1989) The Technology Acceptance Model (TAM) is a perfect model which show how users accept and use a technology. In (TAM) the main determinants of users acceptance of new technology are perceived usefulness (PU) and perceived ease of use (PEOU) (Davis, 1989). Although (Chen and Barnes 2007; T.C. Edwin Cheng et al. 2006) found that perceived ease of use, perceived usefulness and security and privacy affect customer adaptation intentions, Qureshi et al., (2008) claimed that Perceived usefulness, security and privacy are the main perusing factors to accept online banking system. Celik (2008) stated that perceived usefulness and perceived ease of use are direct determinants of customers attitudes towards using internet Banking. Traditional service quality and website features (PU, PEOU and PC) that give customers confidence build trust in e-banking (Yap, K et al. 2010). Aderonke and Charles. (2010) found that Banks customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users. Yap, K et al. (2010) claimed that Traditional service quality and website features that give customers confidence build trust in e-banking. Sadeghi and Hanzaee. (2010) found that According to the model of seven factors on the following dimensions: convenience, accessibility, accuracy, security, usefulness, bank image, and web site design. Some of these factors illustrate a significant statistical difference between males and females. Safeena et al. (2009) found that perceived usefulness, perceived ease of use, consumer awareness and perceived risk are the important determinants of online banking adoption. These factors have a strong and positive effect on customers to accept online banking system. Alda ´s-Manzano et al. (2009) found that TAM beliefs and perceived risks (security, privacy, performance and social) have a direct influence on e-banking adoption. Trust appears as a key variable that reduces perceived risk. Involvement plays an important role in increasing perceived ease of use. Riyadh et al. (2009) stated that Seven variables affecting e-banking adoption by SMEs are identified. They are: organizational capabilities, perceived benefits, perceived credibility, perceived regulatory support, ICT industries readiness, lack of financial institutions readiness and institutional influence. Al-Somali et al. (2009) found that the quality of the Internet connection, the awareness of online banking and its benefits, the social influence and computer self-efficacy have significant effects on the perceived usefulness (PU) and perceived ease of use (PEOU) of online banking acceptance. Education, trust and resistance to change also have significant impact on the attitude towards the likelihood of adopting online banking. Jahangir N. and Begum N. (2008) noted that perceived usefulness, ease of use, security and privacy, and customer attitude are significantly and positively related to customer adaptation. Hanudin Amin. (2007) found that perceived usefulness, perceived ease of use and perceived credibility had a significant relationship with behavioral intention. Further, these measures are good determinant for undergraduate acceptance for internet banking. Results also suggest that PU and PEOU had a significant relationship with computer self-efficacy. Z Liao and WK Wong. (2008) found that perceived usefulness, ease of use, security, responsiveness and convenience significantly influence customer interactions with Internet e-banking. In particular, individuals would place a great emphasis on the security of Internet-based financial transactions. As a conventional practice, commercial banks and financial institutions must continuously review security policy and strengthen the security control of Internet e-banking Wai-Ching Poon. (2008) found that all elements for ten identified factors are significant with respect to the users adoption of e-banking services. Privacy and security are the major sources of dissatisfaction, which have momentously impacted users satisfaction. Meanwhile, accessibility, convenience, design and content are sources of satisfaction. Besides, the speed, product features availability, and reasonable service fees and charges, as well as the banks operations management factor are critical to the success of the e-banks. WAP, GPRS and 3G features from mobile devices are of no significance or influence in the adoption of e-banking services in this study. Results also reveal that privacy; security and convenience factors play an important role in determining the users acceptance of e-banking services with respect to different segmentation of age group, education level and income level. Padachi et al. (2007) found that the most significant factor is ease of use and that other important elements featured reluctance to change, trust and relationship in banker, cost of computers, internet accessibility, convenience of use, and security concerns. Chen, Y. H. and Barnes, S. (2007) pointed out that perceived usefulness, perceived security, perceived privacy, perceived good reputation, and willingness to customize are the important antecedents to online initial trust. It is also discovered that different levels of trust propensity moderate perceptions toward the web site and online with respect to online initial trust, including perceived usefulness, perceived security, perceived privacy, perceived good reputation, and willingness to customize. Both online initial trust and familiarity with online purchasing have a positive impact on purchase intention. T.C. Edwin Cheng et al. (2006) found that The results provide support of the extended TAM model and confirm its robustness in predicting customers intention of adoption of IB. This study contributes to the literature by formulating and validating TAM to predict IB adoption, and its findings provide useful information for bank management in formulating IB marketing strategies. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships, if any, among the constructs, which include Perceived Ease of Use and Perceived Web Security as independent variables, Perceived Usefulness and Attitude as intervening variables, and Intention to Use as the dependent variable. The results provide support of the extended TAM model and confirm its robustness in predicting customers intention of adoption of IB Moutaz Abou-Robieh. (2005) found that there was a correlation between respondents attitudes towards e-banking and their comfort level and feeling of security with regard to their age, level of education, and annual salary. 2.1 Perceived ease of use (PEOU) Safeena et al. (2009), Jahangir N. and Begum N. (2008), Z Liao and WK Wong. (2008) and Amin. (2007) stated that perceived ease of use have a strong and positive influence on customers intention to adopt and use internet banking. 2.2 Perceived usefulness (PU) Several studies showed that perceived usefulness influence customer interactions with internet banking, which effect the adoption of e-banking services (Sadeghi and Hanzaee. 2010; Safeena et al. 2009; Al-Somali et al. 2009; Jahangir N. and Begum N. 2008; Hanudin Amin. 2007, Z Liao and WK Wong.2008 ). 2.3 Perceived credibility (PC) Previous research has shown that security and privacy are the most concern for consumer, which have a direct or indirect influence on e-banking adoption (Aderonke and Charles, 2010; Sadeghi and Hanzaee, 2010; Alda ´s-Manzano et al., 2009; Riyadh et al. 2009; Jahangir N. and Begum N., 2008; Z Liao and WK Wong., 2008). Privacy put barriers on using online services (Hernandez and Mazzon, 2007). Moreover, Wai-Ching Poon. (2008) and Moutaz Abou-Robieh. (2005) noted that privacy and security factors play an important role in determining the users acceptance of e-banking services with regard to age, education level and income level. 3.CHALLENGES 4.1 RESEARCH MODEL AND HYPOTHESES The model of the study is presented below: Perceived usefulness Perceived ease of use Perceived credibility Intention to use Electronic Banking The representation of the proposed framework depicted the pattern and structure of relationships between the set of the measured variables. The purpose of the study is to measure correlations among variables and then use it to identify whether any relationships exists between these measured variables or not. We will extended TAM and add PC into the framework to test the effect of these three factors on e-banking adaption. In the extended model of TAM study, like (Safeena et al. 2009; Alda ´s-Manzano et al. (2009); Hanudin Amin, 2007), the attitudes factor has been neglected to simplify the model. The present study investigated the relationship between perceived usefulness, perceived ease of use, perceived credibility and customer intention to use electronic banking in Bahrain. Here perceived usefulness, perceived ease of use and perceived credibility, were being considered as independent variables and customer intention to use electronic banking was being considered as a dependent variable. Perceived usefulness According to the Davis (1989) and Davis et al. (1989), perceived usefulness is the degree to which a person believes that using a particular system would enhance his or her job performance. Perceived usefulness is defined as the individuals perception that using the new technology will enhance or improve her/his performance (Davis,1993). In Addition, Laforet and Li, (2005) and Eriksson et al., (2005) defined the term perceived usefulness as the subjective probability that using the technology would improve the way a user could complete. We hypothesize that People tend to use an application to the extent they believe it will aid their performance. H1: Perceived usefulness (PU) has a positive effect on customer Intention to use Electronic banking. Perceived ease of use According to Davis (1989) perceived ease of use refers to the degree to which a person believes that using a particular system would be free of effort. The most significant factor on adoption Internet Banking is ease of use. (Padachi et al., 2007). Hence an application perceived to be easier to use than another is more likely to be accepted by users. And By applying these to electronic banking context we can hypothesize that: H2: Perceived ease of use (PEOU) has a positive effect on customer Intention to use Electronic banking. Perceived Credibility Perceived credibility is defined as the degree to which a user feels the certainty and pleasant consequences of using an electronic application service, when there is no financial risk, physical risk, functional risk, social risk, time-loss risk, opportunity cost risk, and information risk Jacoby and Kaplan (1972). However, (Ganesan,1994) present another definition of PC stating it as the extent to which one partner believes that the other partner has the required expertise to perform the job effectively and reliably. PC is usually impersonal and relies on reputation, information and economic reasoning (Ba and Pavlou,2002). Wang et al. (2003) stated that perceived credibility is consists of two important elements namely privacy and security, which affect directly consumer adaptation of electronic banking systems. Security refers to the protection of information or systems from unauthorized intrusions (Egwali, 2008). For the purpose of this research, perceived credibility (PC) is defined as users perception of protection of their transaction details and personal data against unauthorized access. Therefore, for studying the effect of perceived credibility on users acceptance in Bahrain electronic banking services, we pose the following hypothesis to determine it effect on users intention H3: perceived credibility has positive effect on customer Intention to use Electronic banking. 4. Methodology To assess the factors influencing the intention to use internet banking in Bahrain, a survey was conducted during the last quarter of year 2010. A Questionnaire were designed and distributed to retail users of banking services of different age group and of different educational level attained across the island. Survey Instrument The questionnaire we prepared for this exercise was divided into 2 sections. The first section concentrates on the general profile of the respondent including his/her age group, education level and profession and income group. In the second section we were interested in finding the factors affecting the customer intention to use internet banking in Bahrain. The respondents were provided with a list of 10 questions; 4 questions on perceived usefulness, 2 questions on perceived ease of use, 3 questions on perceived credibility and finally 1 question on intention to use. The participants were asked to indicate their perception on a likert scales (1- 5) with response ranging from strongly disagree to strongly agree. The collected data were analyzed based on correlation and regression analyses using the statistical package for social sciences (SPSS) version 17computer program. Data collection The questionnaires were distributed directly among the customers through the researchers friends and relatives, a sample of 400 people was randomly chosen from the Bahraini community, all participants were bank customers selected randomly from universities, malls, Internet cafÃÆ' ©s and businessmen from private and public sectors. Also A digital online form was created using Google Documents in the same questionnaire style, Then the link was shared and publicized to Bahrainis through email as well as posting it on discussion forums. Once a subject would answer the questionnaire, the raw data will automatically be logged in a spreadsheet which can be only accessed and downloaded by the researcher. Since the questionnaire form was to be submitted online it guaranteed two things: First, it targeted people who really access the internet. Second, because all questions are need to be answered before submitting. The collection of data will be done automatically, efficiently and there wont be any loss of data The questionnaire we prepared and used had been pre-tested initially with a few number of people (5 users) working in different sectors to ensure consistency, clarity and relevance to the Bahraini case, Minor changes (related to the questions content, wording, sequence) were requested by those people, which we implemented before carrying out the final copy. A total of 200 useable responses were obtained yielding a response rate of 50% (200/400). Demographic profile of respondents: variable category Frequency Valid Percentage Age 18 25 25 35 35 45 45 yrs and above Gender Male Female Education Secondary and below Diploma Bachelor High studies Occupation Government sector Private Sector Self-employment Others Monthly Income in BD Less than 500 500-1000 1000 and above Assumptions or Limitations For this research, the following limitation existed in the collection of data, the survey assumed that the respondents have some familiarity with banks and banking transactions and have been exposed to or have knowledge of the existence of e-banking alternatives. For these responses in particular, it was difficult to ensure the true validity of the responses or the identity of the respondent. REFERENCES Aderonke and Charles. (2010). An Empirical Investigation of the Level of Users Acceptance of E-Banking in Nigeria. Journal of Internet Banking and Commerce, vol. 15 (1). Al-Somali, S.A., Gholami, R. and Clegg, B.(2009). An investigation into the acceptance of online banking in Saudi Arabia. Technovation, vol. 29, pp.130-141. Al Nahian Riyadh, Md. Shahriar Akter , Nayeema Islam. (2009). The adoption of e-banking in developing countries: A theoretical model for SMEs. International Review of Business Research Papers, vol. 5 (6), pp.212-230. Ba, S. and Pavlou, P.A (2002). Evidence of the effect of trust building technology in electronic market: price premiums and buyer behavior.MIS Quarterly, vol. 26 (3), pp. 243-68. Celik, H. (2008). What Determines Turkish customers acceptance of internet banking? International Journal of Bank Marketing. Vol. 26 (5): 353-370. Chen, Y. H. and Barnes, S. (2007), Initial Trust and Online Buyer Behaviour, Industrial Management Data Systems, 107(1): 21-36. Davis, F. D. (1989), Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology, MIS Quarterly,13 (3): 319-339. Davis, F. D., Bagozzi, R. P. and Warshaw, P. R. (1989), User Acceptance of Computer Technology: A Comparison of Two Theoretical Models, Management Science, 35(8): 982-1003. Davis, F. D. (1993). User acceptance of information technology: system characteristics, user perceptions and behavioral impacts. International Journal of Man-Machine Studies,38, 475-487. Davis, F. D., Bagozzi, R. P., Warshaw, P. R. (1992). Extrinsic and intrinsic motivation to use computers in the workplace. Journal of Applied Social Psychology, 22(14), 1109-1130. Egwali A. O., Customer Perception of Security Indicators in Online Banking Sites in Nigeria, Journal of Internet Banking and Commerce, December 2008, vol. 13, no.3. Eriksson K, Kerem K, Nilsson D (2005). Customer acceptance of internet banking in Estonia, International Journal of Bank Market, vol. 23 (2), pp. 200-216. Ganesan, S.(1994), Determinants of long-term orientation in buyer-seller relationships. Journal of Marketing, Vol.58 (2), pp.1-19 Hanudin Amin (2007). Internet Banking Adoption Among Young Intellectuals. Journal of Internet Banking and Commerce, December 2007, vol. 12 (3) Jacoby, J., Kaplan, L. B. (1972). The components of perceived risk. Paper presented at the Proceedings of the 3rd Annual Conference of the Association for Consumer Research, College Park, MD. Joaquin Alda ´s-Manzano, Carlos Lassala-Navarre, Carla Ruiz-Mafe and Silvia Sanz-Blas. (2009). Key drivers of internet banking services use , Online Information Review, Vol. 33 (4), pp. 672-695. Laforet S, Li X (2005). Consumers attitudes towards online and mobile banking in China. International Journal Bank Market vol. 23 (5), pp. 362-380. Moutaz Abou-Robieh. (2005). A Study of E-Banking Security Perceptions and Customer Satisfaction Issues. Nadim Jahangir and Noorjahan Begum. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic banking. African Journal of Business Management, vol.2 (1), pp. 032-040. Padachi, Rojid, Seetanah.(2007). Analyzing the Factors that Influence the Adoption of Internet Banking in Mauritius. Patrick, T. (2002). Corporate Privacy Credibility Crumbles. Computer world, March, 4(10). Pikkarainen, T., Pikkarainen, K., Karijaluoto, H. and Pahnila, S. (2004), Customer acceptance of on-line banking: an extension of the technology acceptance model, Internet Research, vol. 14(3), pp. 224-235 Qureshi, T.M., Zafar, M.K and Khan, M.B. (2008). Customer Acceptance of Online Banking in Developing Economies. Journal of Internet Banking and Commerce, Vol. 13 (1). Safeena, Abdullah and Hema. ( 2010). Customer Perspectives on E-business Value: Case Study on Internet Banking. Journal of Internet Banking and Commerce, vol. 15 (1). Seth, N., S.G. Deshmukh and P. Vrat, 2004. Service quality models: A review, International Journal Quality and Reliability Management, vol. 22(9), pp. 36-51. T.C. Edwin Cheng, David Y.C. Lam and Andy C.L. Yeung. (2006) Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, vol. 42 (3), pp 1558-1572 Tooraj Sadeghi and Kambiz Heidarzadeh Hanzaee. (2010). Customer satisfaction factors (CSFs) with online banking services in an Islamic country I.R. Iran. Journal of Islamic Marketing, vol. 1 (3), pp. 249-267 Wai-Ching Poon . (2008). Users adoption of e-banking services. Journal of Business Industrial Marketing, vol. 23 (1), pp. 59-69 Wang, Y., Lin, H., Tang, T. (2003). Determinants of user acceptance of internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501-519 Yap, K., D. Wong, C. Loh, and R. Bak (2010). Offline and online banking where to draw the line when building trust in e-banking. International Journal of Bank Marketing, 28(1), p.27-46 Z Liao and WK Wong. ( 2008). The determinants of customer interactions with internet-enabled e-banking services. Journal of the Operational Research Society, vol. 59 (9). User Adoption Momentum of E Banking In Malaysia User Adoption Momentum of E Banking In Malaysia In the era of globalization and with the increasing competition in all the fields around the world many companies have modified their strategies so they can reach their customers around the world easier and cheaper. However the rapid growth of systems that rely on electronic technology especially those relating to the Internet and personal computer- led to a significant change in the exchanging of products and services. Many  Service organizations have adopted modern technology to reduce costs and enhance customer service quality, delivery, and standardize core service offerings. In addition a lot of non-banking companies entered the banking industry by offering products and financial services, giving the customers a lot of options and alternatives to carry out their banking transactions, this difficulty of the business process in the financial sector forces the banks to develop an alternative technological channel to attract customers and improve their perception. The rapid technological diffusion makes the internet the best way to provide customers with banking services regardless of the limits of time and geography. And thats what makes banks  consider the  internet as an important part of their strategic plans. Internet technology has changed the design and the way of delivering the financial services and as a result the banking industry has made continuous innovations especially in the field of communications and information technology that ultimately led to the emergence of the idea of what is known as the online banking. Banking services through the internet is a way to keep the existing customers and attract others to the bank, In this paper we define online banking as an internet portal, through which customers can use different kinds of banking services ranging from bill payment to making investments (Pikkarainen et al., 2004). Compared to the traditional approach, online banking is an inexpensive straightforward way to conduct banking business, exchange of personalized information and buying and selling goods and services from any place at any time. Despite the many benefits provided by this service to the bank and its customers, it remains a double-edged sword and not used by every customer, because the increasing distance between the bank and customers may lead to lack of confidence and an increasing in security concerns. As a result, the quality of electronic banking services become an important area of attention among the researchers and banks managers due to its strong influence on the business performance, lower costs, customer satisfaction, customer loyalty, and profitability (Seth et al., 2004). The main objective of this study is to focus on the importance of understanding the customers perception about internet banking by investigating and measuring the impact of selected factors such as perceived usefulness (PU), perceived ease of use (PEOU), security and privacy (PC) and how they can influence the customer acceptance to conduct banking transactions via the internet, Based on the empirical data collected from individual customers in Bahrain. In the next section we will give some background information about the internet banking sector and review the relevant literature in this area, the following section describes the research methodology, which is then followed by the data analysis and the results from the survey, The paper concludes with a discussion, outlining the implications of the findings and the limitations of the study. 2.0 LITERATURE REVIEW Technology Acceptance Model (TAM) External variables Perceived usefulness Perceived ease of use Behavioral intention Actual system use Figure 1: The original Technology Acceptance Model (Davis, 1989) The Technology Acceptance Model (TAM) is a perfect model which show how users accept and use a technology. In (TAM) the main determinants of users acceptance of new technology are perceived usefulness (PU) and perceived ease of use (PEOU) (Davis, 1989). Although (Chen and Barnes 2007; T.C. Edwin Cheng et al. 2006) found that perceived ease of use, perceived usefulness and security and privacy affect customer adaptation intentions, Qureshi et al., (2008) claimed that Perceived usefulness, security and privacy are the main perusing factors to accept online banking system. Celik (2008) stated that perceived usefulness and perceived ease of use are direct determinants of customers attitudes towards using internet Banking. Traditional service quality and website features (PU, PEOU and PC) that give customers confidence build trust in e-banking (Yap, K et al. 2010). Aderonke and Charles. (2010) found that Banks customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users. Yap, K et al. (2010) claimed that Traditional service quality and website features that give customers confidence build trust in e-banking. Sadeghi and Hanzaee. (2010) found that According to the model of seven factors on the following dimensions: convenience, accessibility, accuracy, security, usefulness, bank image, and web site design. Some of these factors illustrate a significant statistical difference between males and females. Safeena et al. (2009) found that perceived usefulness, perceived ease of use, consumer awareness and perceived risk are the important determinants of online banking adoption. These factors have a strong and positive effect on customers to accept online banking system. Alda ´s-Manzano et al. (2009) found that TAM beliefs and perceived risks (security, privacy, performance and social) have a direct influence on e-banking adoption. Trust appears as a key variable that reduces perceived risk. Involvement plays an important role in increasing perceived ease of use. Riyadh et al. (2009) stated that Seven variables affecting e-banking adoption by SMEs are identified. They are: organizational capabilities, perceived benefits, perceived credibility, perceived regulatory support, ICT industries readiness, lack of financial institutions readiness and institutional influence. Al-Somali et al. (2009) found that the quality of the Internet connection, the awareness of online banking and its benefits, the social influence and computer self-efficacy have significant effects on the perceived usefulness (PU) and perceived ease of use (PEOU) of online banking acceptance. Education, trust and resistance to change also have significant impact on the attitude towards the likelihood of adopting online banking. Jahangir N. and Begum N. (2008) noted that perceived usefulness, ease of use, security and privacy, and customer attitude are significantly and positively related to customer adaptation. Hanudin Amin. (2007) found that perceived usefulness, perceived ease of use and perceived credibility had a significant relationship with behavioral intention. Further, these measures are good determinant for undergraduate acceptance for internet banking. Results also suggest that PU and PEOU had a significant relationship with computer self-efficacy. Z Liao and WK Wong. (2008) found that perceived usefulness, ease of use, security, responsiveness and convenience significantly influence customer interactions with Internet e-banking. In particular, individuals would place a great emphasis on the security of Internet-based financial transactions. As a conventional practice, commercial banks and financial institutions must continuously review security policy and strengthen the security control of Internet e-banking Wai-Ching Poon. (2008) found that all elements for ten identified factors are significant with respect to the users adoption of e-banking services. Privacy and security are the major sources of dissatisfaction, which have momentously impacted users satisfaction. Meanwhile, accessibility, convenience, design and content are sources of satisfaction. Besides, the speed, product features availability, and reasonable service fees and charges, as well as the banks operations management factor are critical to the success of the e-banks. WAP, GPRS and 3G features from mobile devices are of no significance or influence in the adoption of e-banking services in this study. Results also reveal that privacy; security and convenience factors play an important role in determining the users acceptance of e-banking services with respect to different segmentation of age group, education level and income level. Padachi et al. (2007) found that the most significant factor is ease of use and that other important elements featured reluctance to change, trust and relationship in banker, cost of computers, internet accessibility, convenience of use, and security concerns. Chen, Y. H. and Barnes, S. (2007) pointed out that perceived usefulness, perceived security, perceived privacy, perceived good reputation, and willingness to customize are the important antecedents to online initial trust. It is also discovered that different levels of trust propensity moderate perceptions toward the web site and online with respect to online initial trust, including perceived usefulness, perceived security, perceived privacy, perceived good reputation, and willingness to customize. Both online initial trust and familiarity with online purchasing have a positive impact on purchase intention. T.C. Edwin Cheng et al. (2006) found that The results provide support of the extended TAM model and confirm its robustness in predicting customers intention of adoption of IB. This study contributes to the literature by formulating and validating TAM to predict IB adoption, and its findings provide useful information for bank management in formulating IB marketing strategies. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships, if any, among the constructs, which include Perceived Ease of Use and Perceived Web Security as independent variables, Perceived Usefulness and Attitude as intervening variables, and Intention to Use as the dependent variable. The results provide support of the extended TAM model and confirm its robustness in predicting customers intention of adoption of IB Moutaz Abou-Robieh. (2005) found that there was a correlation between respondents attitudes towards e-banking and their comfort level and feeling of security with regard to their age, level of education, and annual salary. 2.1 Perceived ease of use (PEOU) Safeena et al. (2009), Jahangir N. and Begum N. (2008), Z Liao and WK Wong. (2008) and Amin. (2007) stated that perceived ease of use have a strong and positive influence on customers intention to adopt and use internet banking. 2.2 Perceived usefulness (PU) Several studies showed that perceived usefulness influence customer interactions with internet banking, which effect the adoption of e-banking services (Sadeghi and Hanzaee. 2010; Safeena et al. 2009; Al-Somali et al. 2009; Jahangir N. and Begum N. 2008; Hanudin Amin. 2007, Z Liao and WK Wong.2008 ). 2.3 Perceived credibility (PC) Previous research has shown that security and privacy are the most concern for consumer, which have a direct or indirect influence on e-banking adoption (Aderonke and Charles, 2010; Sadeghi and Hanzaee, 2010; Alda ´s-Manzano et al., 2009; Riyadh et al. 2009; Jahangir N. and Begum N., 2008; Z Liao and WK Wong., 2008). Privacy put barriers on using online services (Hernandez and Mazzon, 2007). Moreover, Wai-Ching Poon. (2008) and Moutaz Abou-Robieh. (2005) noted that privacy and security factors play an important role in determining the users acceptance of e-banking services with regard to age, education level and income level. 3.CHALLENGES 4.1 RESEARCH MODEL AND HYPOTHESES The model of the study is presented below: Perceived usefulness Perceived ease of use Perceived credibility Intention to use Electronic Banking The representation of the proposed framework depicted the pattern and structure of relationships between the set of the measured variables. The purpose of the study is to measure correlations among variables and then use it to identify whether any relationships exists between these measured variables or not. We will extended TAM and add PC into the framework to test the effect of these three factors on e-banking adaption. In the extended model of TAM study, like (Safeena et al. 2009; Alda ´s-Manzano et al. (2009); Hanudin Amin, 2007), the attitudes factor has been neglected to simplify the model. The present study investigated the relationship between perceived usefulness, perceived ease of use, perceived credibility and customer intention to use electronic banking in Bahrain. Here perceived usefulness, perceived ease of use and perceived credibility, were being considered as independent variables and customer intention to use electronic banking was being considered as a dependent variable. Perceived usefulness According to the Davis (1989) and Davis et al. (1989), perceived usefulness is the degree to which a person believes that using a particular system would enhance his or her job performance. Perceived usefulness is defined as the individuals perception that using the new technology will enhance or improve her/his performance (Davis,1993). In Addition, Laforet and Li, (2005) and Eriksson et al., (2005) defined the term perceived usefulness as the subjective probability that using the technology would improve the way a user could complete. We hypothesize that People tend to use an application to the extent they believe it will aid their performance. H1: Perceived usefulness (PU) has a positive effect on customer Intention to use Electronic banking. Perceived ease of use According to Davis (1989) perceived ease of use refers to the degree to which a person believes that using a particular system would be free of effort. The most significant factor on adoption Internet Banking is ease of use. (Padachi et al., 2007). Hence an application perceived to be easier to use than another is more likely to be accepted by users. And By applying these to electronic banking context we can hypothesize that: H2: Perceived ease of use (PEOU) has a positive effect on customer Intention to use Electronic banking. Perceived Credibility Perceived credibility is defined as the degree to which a user feels the certainty and pleasant consequences of using an electronic application service, when there is no financial risk, physical risk, functional risk, social risk, time-loss risk, opportunity cost risk, and information risk Jacoby and Kaplan (1972). However, (Ganesan,1994) present another definition of PC stating it as the extent to which one partner believes that the other partner has the required expertise to perform the job effectively and reliably. PC is usually impersonal and relies on reputation, information and economic reasoning (Ba and Pavlou,2002). Wang et al. (2003) stated that perceived credibility is consists of two important elements namely privacy and security, which affect directly consumer adaptation of electronic banking systems. Security refers to the protection of information or systems from unauthorized intrusions (Egwali, 2008). For the purpose of this research, perceived credibility (PC) is defined as users perception of protection of their transaction details and personal data against unauthorized access. Therefore, for studying the effect of perceived credibility on users acceptance in Bahrain electronic banking services, we pose the following hypothesis to determine it effect on users intention H3: perceived credibility has positive effect on customer Intention to use Electronic banking. 4. Methodology To assess the factors influencing the intention to use internet banking in Bahrain, a survey was conducted during the last quarter of year 2010. A Questionnaire were designed and distributed to retail users of banking services of different age group and of different educational level attained across the island. Survey Instrument The questionnaire we prepared for this exercise was divided into 2 sections. The first section concentrates on the general profile of the respondent including his/her age group, education level and profession and income group. In the second section we were interested in finding the factors affecting the customer intention to use internet banking in Bahrain. The respondents were provided with a list of 10 questions; 4 questions on perceived usefulness, 2 questions on perceived ease of use, 3 questions on perceived credibility and finally 1 question on intention to use. The participants were asked to indicate their perception on a likert scales (1- 5) with response ranging from strongly disagree to strongly agree. The collected data were analyzed based on correlation and regression analyses using the statistical package for social sciences (SPSS) version 17computer program. Data collection The questionnaires were distributed directly among the customers through the researchers friends and relatives, a sample of 400 people was randomly chosen from the Bahraini community, all participants were bank customers selected randomly from universities, malls, Internet cafÃÆ' ©s and businessmen from private and public sectors. Also A digital online form was created using Google Documents in the same questionnaire style, Then the link was shared and publicized to Bahrainis through email as well as posting it on discussion forums. Once a subject would answer the questionnaire, the raw data will automatically be logged in a spreadsheet which can be only accessed and downloaded by the researcher. Since the questionnaire form was to be submitted online it guaranteed two things: First, it targeted people who really access the internet. Second, because all questions are need to be answered before submitting. The collection of data will be done automatically, efficiently and there wont be any loss of data The questionnaire we prepared and used had been pre-tested initially with a few number of people (5 users) working in different sectors to ensure consistency, clarity and relevance to the Bahraini case, Minor changes (related to the questions content, wording, sequence) were requested by those people, which we implemented before carrying out the final copy. A total of 200 useable responses were obtained yielding a response rate of 50% (200/400). Demographic profile of respondents: variable category Frequency Valid Percentage Age 18 25 25 35 35 45 45 yrs and above Gender Male Female Education Secondary and below Diploma Bachelor High studies Occupation Government sector Private Sector Self-employment Others Monthly Income in BD Less than 500 500-1000 1000 and above Assumptions or Limitations For this research, the following limitation existed in the collection of data, the survey assumed that the respondents have some familiarity with banks and banking transactions and have been exposed to or have knowledge of the existence of e-banking alternatives. For these responses in particular, it was difficult to ensure the true validity of the responses or the identity of the respondent. REFERENCES Aderonke and Charles. (2010). An Empirical Investigation of the Level of Users Acceptance of E-Banking in Nigeria. Journal of Internet Banking and Commerce, vol. 15 (1). Al-Somali, S.A., Gholami, R. and Clegg, B.(2009). An investigation into the acceptance of online banking in Saudi Arabia. Technovation, vol. 29, pp.130-141. Al Nahian Riyadh, Md. Shahriar Akter , Nayeema Islam. (2009). The adoption of e-banking in developing countries: A theoretical model for SMEs. International Review of Business Research Papers, vol. 5 (6), pp.212-230. Ba, S. and Pavlou, P.A (2002). Evidence of the effect of trust building technology in electronic market: price premiums and buyer behavior.MIS Quarterly, vol. 26 (3), pp. 243-68. Celik, H. (2008). What Determines Turkish customers acceptance of internet banking? International Journal of Bank Marketing. Vol. 26 (5): 353-370. Chen, Y. H. and Barnes, S. (2007), Initial Trust and Online Buyer Behaviour, Industrial Management Data Systems, 107(1): 21-36. Davis, F. D. (1989), Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology, MIS Quarterly,13 (3): 319-339. Davis, F. D., Bagozzi, R. P. and Warshaw, P. R. (1989), User Acceptance of Computer Technology: A Comparison of Two Theoretical Models, Management Science, 35(8): 982-1003. Davis, F. D. (1993). User acceptance of information technology: system characteristics, user perceptions and behavioral impacts. International Journal of Man-Machine Studies,38, 475-487. Davis, F. D., Bagozzi, R. P., Warshaw, P. R. (1992). Extrinsic and intrinsic motivation to use computers in the workplace. Journal of Applied Social Psychology, 22(14), 1109-1130. Egwali A. O., Customer Perception of Security Indicators in Online Banking Sites in Nigeria, Journal of Internet Banking and Commerce, December 2008, vol. 13, no.3. Eriksson K, Kerem K, Nilsson D (2005). Customer acceptance of internet banking in Estonia, International Journal of Bank Market, vol. 23 (2), pp. 200-216. Ganesan, S.(1994), Determinants of long-term orientation in buyer-seller relationships. Journal of Marketing, Vol.58 (2), pp.1-19 Hanudin Amin (2007). Internet Banking Adoption Among Young Intellectuals. Journal of Internet Banking and Commerce, December 2007, vol. 12 (3) Jacoby, J., Kaplan, L. B. (1972). The components of perceived risk. Paper presented at the Proceedings of the 3rd Annual Conference of the Association for Consumer Research, College Park, MD. Joaquin Alda ´s-Manzano, Carlos Lassala-Navarre, Carla Ruiz-Mafe and Silvia Sanz-Blas. (2009). Key drivers of internet banking services use , Online Information Review, Vol. 33 (4), pp. 672-695. Laforet S, Li X (2005). Consumers attitudes towards online and mobile banking in China. International Journal Bank Market vol. 23 (5), pp. 362-380. Moutaz Abou-Robieh. (2005). A Study of E-Banking Security Perceptions and Customer Satisfaction Issues. Nadim Jahangir and Noorjahan Begum. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic banking. African Journal of Business Management, vol.2 (1), pp. 032-040. Padachi, Rojid, Seetanah.(2007). Analyzing the Factors that Influence the Adoption of Internet Banking in Mauritius. Patrick, T. (2002). Corporate Privacy Credibility Crumbles. Computer world, March, 4(10). Pikkarainen, T., Pikkarainen, K., Karijaluoto, H. and Pahnila, S. (2004), Customer acceptance of on-line banking: an extension of the technology acceptance model, Internet Research, vol. 14(3), pp. 224-235 Qureshi, T.M., Zafar, M.K and Khan, M.B. (2008). Customer Acceptance of Online Banking in Developing Economies. Journal of Internet Banking and Commerce, Vol. 13 (1). Safeena, Abdullah and Hema. ( 2010). Customer Perspectives on E-business Value: Case Study on Internet Banking. Journal of Internet Banking and Commerce, vol. 15 (1). Seth, N., S.G. Deshmukh and P. Vrat, 2004. Service quality models: A review, International Journal Quality and Reliability Management, vol. 22(9), pp. 36-51. T.C. Edwin Cheng, David Y.C. Lam and Andy C.L. Yeung. (2006) Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, vol. 42 (3), pp 1558-1572 Tooraj Sadeghi and Kambiz Heidarzadeh Hanzaee. (2010). Customer satisfaction factors (CSFs) with online banking services in an Islamic country I.R. Iran. Journal of Islamic Marketing, vol. 1 (3), pp. 249-267 Wai-Ching Poon . (2008). Users adoption of e-banking services. Journal of Business Industrial Marketing, vol. 23 (1), pp. 59-69 Wang, Y., Lin, H., Tang, T. (2003). Determinants of user acceptance of internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501-519 Yap, K., D. Wong, C. Loh, and R. Bak (2010). Offline and online banking where to draw the line when building trust in e-banking. International Journal of Bank Marketing, 28(1), p.27-46 Z Liao and WK Wong. ( 2008). The determinants of customer interactions with internet-enabled e-banking services. Journal of the Operational Research Society, vol. 59 (9).