the determinants of consumers adoption internet banking byoung min kim purdue university richard widdows and tansel yilmazer abstract purpose study is to investigate based on an individual s benefits costs adopting using data from 2001 survey consumer finances this paper estimates model for our findings show that ability attitude opportunity cost time play a significant role decision younger well educated are more likely adopt however when age associated with level education effect varies across groups among people low educational background probability hump shaped higher decreases also investigates differences households use checks atm or debit card direct payment as methods there in terms demographics these different
