摘要：The aim of this study are, first to examine the influence of five predictor variables namely task-technology fit, perceived usefulness, complexity, facilitating conditions and anxiety computing on the performance of individual employees and second, to test the effect of expertise as a moderating variable to the performance of individual employees. The study was conducted in October 2010 toward 144 respondents, spread over nine rural banks in Palembang. The statistical tests employed in this research are regression analysis and moderated regression analysis (MRA). Results show that task-technology fit has a negative significant effect to the individual performance, meanwhile perception of usefulness and anxiety computing have a positive significant influence to the individual perfor¬mance. However, the rest variables that is complexity of variables and facilitating condition have no significant effect to the individual performance. Expertise as a moderating variable has a significant effect in relation between anxiety computing and the individual performance.
