Associate Professor Khalil Md NOR, PhD Email: kmdnor@fppsm.utm.my University Teknologi Malaysia Lecturer Nicoleta BĂRBUłĂMI+U, PhD Email: Nicoleta.Barbuta@ugal.ro “Dunărea de Jos” University of Galati Professor Radu STROE, PhD Email: radu.stroe@fin.ase.ro The Bucharest Academy of Economic Studies A MODEL FOR ANALYSING THE DETERMINANT FACTORS OF ADOPTION EBANKING SERVICES BY ROMANIAN CUSTOMERS                                                      !    !            "   #     $       " %                  &                   !   ’     !         !        !                 &    (             )          *&  & +          "  JEL Classification: M15, M21, O32 1. Introduction As a result of the growing use of the Internet globally, there has been an apparent increase in the use of the Internet for financial service transactions (Ibbotson & Moran, 2003). The diffusion of the internet and its commercialization has paved the way to making online banking service offerings a reality (Pikkarainen  , 2006). There are massive opportunities that the Internet has brought to the banking industry in recent years including the rise of pure online