International Journal of Innovation, Management and Technology, Vol. 2, No. 1, February, 2011 ISSN: 2010-0248 95 Abstract—Advances in telecommunication technologies have enables organizations such as banks and other financial institutions to offer more online services to their customers. Internet banking is one of such services that many banks have been venturing into with large investment. However, studies show that the adoption and usage by customers in some countries are very low. This paper presents the result of a study at Iranian National Bank, to investigate the determinants of behavioral intention of the bank’s customers towards using internet banking. Survey data have been gathered from 237 respondents and the multiple regression and subgroup correlation analyses have been conducted. The result shows that perceived ease of use, social influence, perceived usefulness and attitude toward using have direct and positive effects on people behavioral intention. On the other hand trust has only moderate role on relationship between social influence and intention toward using. Index Terms—internet banking, trust, behavioral intention, perception. I. INTRODUCTION We live in a world that because of globalization, it is faced with inevitable and fast changes. Thus this contemporary world has different names like: post-industrial age, information age or knowledge society [1]. By considering the rapid increase in competition in all areas of business, those institutions which give their customers better services, are more successful. Today, high productivity, improved communication with customers, effective business processes, quality management and strategic management are features and characteristics of many institutions to seek success in this competitive area [2],[3]. One of the crucial innovations is the use of computer networks and Internet in business. Today internet is a very important tool for business trading and it is a powerful media for marketing. E-commerce as one of the achievements of Manuscript received January 15, 2011. Ebrahim Esmaili is PhD candidate at the Faculty of Computer Science and Information Systems, Universiti Teknologi Malaysia, 81310, Skudai, Johor, Malaysia (corresponding author phone: +60177374695; e-mail: eebrahim2@ live.utm.my). Mohammad Ishak Desa is a professor at the Faculty of Computer Science and Information Systems, Universiti Teknologi Malaysia, 81310, Skudai, Johor, Malaysia (mishak@utm.my). Hadi Moradi and Amin Hemmati are PhD candidates at the Faculty of Economic and Management Sciences, Semnan University, Semnan, Iran (h_moradi@semnan.ac.ir). modern information age has changed global business and the rules. It has created wonderful advantages in conducting business practices for consumers and retailers. This evolution and progress in information and communications technology industry, has created information age where in that computer literacy is inevitable matter for everyone. Consequences of using information technology in organizations include : increasing in speed and accuracy, access to classified information, create close and direct communication, improving speed and ease of decision making, flexibility in organizations and quick respond to dynamic environmental changing and generally cause widespread changes in organizations [4]. Statistics also indicate the rapid growth of e-commerce in developing countries and emphasize on implementing new required policies and strategies to expand this technology in these countries. On the other hand, although millions of dollars spent annually on creating and operating the electronic banking systems, and despite of many advantages, the results and reports show that almost all potential users do not use these systems [5]. As a result, perception and complete understanding of the affecting factors on the acceptance and usage of new technologies and its impact on the performance of financial institutions and banks, is one of the important prerequisite that we should consider before investing on e-banking. Various studies have been conducted regarding the barriers of e-commerce development and also about affecting factors on the development and success of electronic commerce which this study examines some of them. Since Aladwani [6] argued that creating and maintaining customer trust toward using new banking channels such as mobile banking have significant effects on people intention toward using new banking channels, in this research we investigate on the impact of “moderate role of trust” on “dependent and independent variables”. II. LITERATURE REVIEW One of the vital tools for expanding the electronic commerce is electronic banking system which operates simultaneously with the global financial and monetary systems and facilitates electronic commerce activities. In other words, it can be said that the implementation of electronic commerce, requires electronic banking. Electronic banking is using new advanced hardware and software technologies based on telecommunications networks in order to exchange resources and financial information in electronic The Role of Trust and Other Behavioral Intention Determinants on Intention toward Using Internet Banking Ebrahim Esmaili, Mohammad Ishak Desa, Hadi Moradi, Amin Hemmati