الفهرس 
CHAPTER ONE INTRODUCTIOnOnly 14 pages are availabe for public view
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Abstract
This thesis aims to investigate how online consumers develop their intention to use online banking by exploring the impact of perceived security, perceived privacy, and banks’ image on trust and its impact on the intention to use online banking taking into consideration the TAM which investigates the effect of perceived usefulness and perceived ease of use on attitude and their effect on intention to use online banking.
A survey was developed and data were collected from working environment in the two cities, Cairo and Alexandria. The maximum likelihood estimates was employed to test the hypotheses. The results showed that perceived security, perceived privacy and banks’ image were important for building customers trust; also perceived usefulness and perceived ease of use are positively significant with attitude. Perceived security and attitude are positively associated with the intention to use online banking. Contrary to TAM, perceived usefulness and perceived ease of use were found to be insignificant on the intention to use online banking.
The convenience sample was selected from people in the working environments. It didn’t include pension, house wives, and illiterate people, so future researchers have to take these sectors into consideration. The findings allow the factors that can influence the intention to use online banking in Egypt to be understood.