摘要：Several previous researches attempt to examine factors which influence system usage, those areonline banking using TAM model (technology acceptance model)—with two main construct,perceived usefulness and perceived ease of use. Therefore, this research attempt to develop TAMmodel by adding variables: perceived enjoyment, security and privacy, internet connection, andamount of information. The purpose of this research is to test the influence of each factors to systemusage empirically. Data which are used are primary data by using questionnaire. Samples aretaken from Mandiri bank consumers in Semarang. The result of this research are: (1) perceivedusefulness significantly influences system usage; (2) perceived ease of use does not significantlyinfluence system usage; (3) perceived enjoyment significantly influences system usage; (4) securityand privacy significantly influences system usage; (5) internet connection significantly influencessystem usage; and (6) amount of information significantly influences system usage.
关键词：perceived usefulness, perceived ease of use, perceived enjoyment, security and privacy, internet connection, amount of information, and system usage.
