This study investigates the factors influencing the adoption of Internet banking in Singapore. Based on the theory of planned behavior (Ajzen 1985) and the diffusion of innovations theory (Rogers 1983), a research framework was developed to identify the attitudinal, social, and perceived behavioral control factors that influence the intention to adopt Internet banking. An online questionnaire was used to collect data from Internet users in Singapore. The results revealed that attitudinal and perceived behavioral control factors, rather than social influence, play a significant role in influencing the intention to adopt Internet banking. Perceived relative advantage, compatibility, trialability, and risk were found to influence intentions to adopt Internet banking services. Confidence in using such services and perception of government support for electronic commerce were also found to influence intentions. The study contributes to theory and practice by identifying the key factors that influence the adoption of Internet banking services. The findings will help banks understand the key factors that influence the adoption of Internet banking services and provide information on the needs and preferences of potential customers. The study also highlights the importance of perceived behavioral control in the adoption of Internet banking services. The results indicate that the intention to adopt Internet banking services is influenced by the perceived relative advantage, compatibility with values, experience, needs, trialability, and risk. The study also shows that the influence of subjective norms on the intention to adopt Internet banking services is not significant. The findings suggest that Internet users who perceive Internet banking as advantageous, compatible with their values, have experience with the Internet, and perceive it as low risk are more likely to adopt Internet banking services. The study also highlights the importance of perceived technology support and government support in the adoption of Internet banking services. The results indicate that the perceived technology support and government support have no significant influence on the intention to adopt Internet banking services. The study also shows that the preferred Internet banking services and products are those that provide account information and balance inquiry, bill payments, summary reports of transactions, funds transfer, and check facilities. The findings suggest that the reputation of the bank is most important in choosing an Internet banking service. The study also indicates that respondents are most likely to adopt Internet banking services if the services are free. The findings also show that the ideal features of Internet banking websites are ease of retrieval and clarity of instructions. The study concludes that the intention to adopt Internet banking services is influenced by attitudinal and perceived behavioral control factors, but not by subjective norms. The study also highlights the importance of perceived behavioral control in the adoption of Internet banking services. The study has limitations, including the use of an online survey, the sample being mostly experienced Internet users, the self-reported nature of the "intention to adopt" construct, and the difficulty in obtaining a list of adopters. The study provides valuable insights into the factors influencing the adoption of Internet banking services in Singapore.This study investigates the factors influencing the adoption of Internet banking in Singapore. Based on the theory of planned behavior (Ajzen 1985) and the diffusion of innovations theory (Rogers 1983), a research framework was developed to identify the attitudinal, social, and perceived behavioral control factors that influence the intention to adopt Internet banking. An online questionnaire was used to collect data from Internet users in Singapore. The results revealed that attitudinal and perceived behavioral control factors, rather than social influence, play a significant role in influencing the intention to adopt Internet banking. Perceived relative advantage, compatibility, trialability, and risk were found to influence intentions to adopt Internet banking services. Confidence in using such services and perception of government support for electronic commerce were also found to influence intentions. The study contributes to theory and practice by identifying the key factors that influence the adoption of Internet banking services. The findings will help banks understand the key factors that influence the adoption of Internet banking services and provide information on the needs and preferences of potential customers. The study also highlights the importance of perceived behavioral control in the adoption of Internet banking services. The results indicate that the intention to adopt Internet banking services is influenced by the perceived relative advantage, compatibility with values, experience, needs, trialability, and risk. The study also shows that the influence of subjective norms on the intention to adopt Internet banking services is not significant. The findings suggest that Internet users who perceive Internet banking as advantageous, compatible with their values, have experience with the Internet, and perceive it as low risk are more likely to adopt Internet banking services. The study also highlights the importance of perceived technology support and government support in the adoption of Internet banking services. The results indicate that the perceived technology support and government support have no significant influence on the intention to adopt Internet banking services. The study also shows that the preferred Internet banking services and products are those that provide account information and balance inquiry, bill payments, summary reports of transactions, funds transfer, and check facilities. The findings suggest that the reputation of the bank is most important in choosing an Internet banking service. The study also indicates that respondents are most likely to adopt Internet banking services if the services are free. The findings also show that the ideal features of Internet banking websites are ease of retrieval and clarity of instructions. The study concludes that the intention to adopt Internet banking services is influenced by attitudinal and perceived behavioral control factors, but not by subjective norms. The study also highlights the importance of perceived behavioral control in the adoption of Internet banking services. The study has limitations, including the use of an online survey, the sample being mostly experienced Internet users, the self-reported nature of the "intention to adopt" construct, and the difficulty in obtaining a list of adopters. The study provides valuable insights into the factors influencing the adoption of Internet banking services in Singapore.