This study investigates the factors influencing the adoption of Internet banking in Singapore, using a research framework based on the theory of planned behavior (TPB) and the diffusion of innovations theory (DIT). The study employs an online questionnaire survey to gather data from 454 respondents. The results indicate that attitudinal and perceived behavioral control factors, rather than social influence, play a significant role in influencing the intention to adopt Internet banking. Specifically, perceptions of relative advantage, compatibility, trialability, and risk are found to be important factors. Additionally, confidence in using such services and perception of government support for electronic commerce also influence intentions. The study discusses the implications of these findings for both theory and practice, suggesting that banks can use this information to better understand the key factors affecting the adoption of Internet banking services and to tailor their services to meet customer needs and preferences.This study investigates the factors influencing the adoption of Internet banking in Singapore, using a research framework based on the theory of planned behavior (TPB) and the diffusion of innovations theory (DIT). The study employs an online questionnaire survey to gather data from 454 respondents. The results indicate that attitudinal and perceived behavioral control factors, rather than social influence, play a significant role in influencing the intention to adopt Internet banking. Specifically, perceptions of relative advantage, compatibility, trialability, and risk are found to be important factors. Additionally, confidence in using such services and perception of government support for electronic commerce also influence intentions. The study discusses the implications of these findings for both theory and practice, suggesting that banks can use this information to better understand the key factors affecting the adoption of Internet banking services and to tailor their services to meet customer needs and preferences.