World Applied Sciences Journal 33 (7): 1132-1141, 2015 ISSN 1818-4952 © IDOSI Publications, 2015 DOI: 10.5829/idosi.wasj.2015.33.07.187 Corresponding Author: Solomon Oluyinka is with the faculty of Technology Management and Business, University Tun Hussein Onn Malaysia, 86400 BatuPahat, Johor, Malaysia. Ph: +60167196480. 1132 Evaluation of Trust Tools Built-Into Technology Adoption Solomon Oluyinka, Alina Shamsuddin and Eta Wahab Faculty of Technology Management and Business, University Tun Hussein Onn Malaysia, 86400 BatuPahat, Johor, Malaysia Abstract: Several models have been developed in a bid to further improve understanding of aspects which affect adoption of a particular technology. This study scrutinizes theories on technology adoption and synthesizes models on trust to provide a set of precursors that elucidate intention to adopt online banking. This study focused on reliability and validity of the proposed instruments forty-seven questionnaires was obtained from Nigerian graduate students at UniversitiTun Hussein Onn. Statistical Package for the Social Sciences and Analysis of Moment Structures were applied to analyze the data. The outcomes from the pilots study confirmed a effective strength of reliability and validity in the instruments and suggested further evaluation with bigger sample size. Key words: Information Technology (IT) Internet banking Malaysia Nigeria Model Trust INTRODUCTION order to reorganize value of technology strategies in order It is actually an extensively recognized indisputable unanimously affirmed the fact that the banking industry fact that the effect of enormous electronic systems in each is among the list of industries that are fitted with a and every day dealings may not be overlooked. substantial effect regarding electronic technology [5]. Experimental investigation as well as real verification of Any adoption associated with technology, specifically electronic technologies present businesses along with online banking services during day-to-day deals for sufficient possibilities to conduct business dealings customers more than simply a new supplement to effortlessly and present suitable service to their potential standard banking, but includes triggered the actual customers [1-2]. Positing a suitable impression regarding recognition associated with bank customers via the electronic systems as well as embellished at the start. internet as an easy way of recent banking along with Nevertheless, the existing situations within the banking endorsed online banking clearly to a change in the business turned out in any other case [3]. This could be banking behavior of customers. comprehended within the continuous innovative The central bank of Nigeria (CBN) introduces advancements within information as well as economic and monetary policy as a guideline for banking communication know-how along with the development of activities in Nigeria reforms, the practice of reform the Web-based make it possible for business exercises. Nigeria's 22 banks with a strong and reliable against 89 Depending on the difficult task to flourish as well as banks that already exist. Banks surviving from the dominate a big part of the banking industry, several recapitalization exercise included heavily on the use of banking companies have committed to infrastructure in communications technology (ICT) and information order to widen their very own market segments along with platform to achieve effectiveness and efficiency of the geographical coverage. banking system [6]. The results showed that with the The other can be a lot more innovative way of improvement of technological development and the presenting banking services over the internet, without provision of basic infrastructure will be improving the worrying about the merest skepticism, the perception of increase of banking services through the public Internet internet banking has got prompted banking companies in with a decrease in the amount of currency in circulation to keep going intense [4]. Most recent scholars