  In recent years, mobile operations have gained wide popularity among
mainstream users, and banks tend to follow this trend. But are bank customers
ready to move forward? Mobile banking appears to be a natural extension of
Internet banking. Thus, to predict consumer decisions to adopt mobile banking,
it is useful to understand the pattern of adoption of Internet banking (IB).
This investigation seeks contribute to an expansion of the knowledge regarding
this matter by researching Portuguese consumers patterns and behaviors
concerning the acceptance and use intention of IB as a foundation for
establishing growth strategies of mobile banking. For data collection, we used
an online snowball process. The statistical treatment used included a factor
analysis in order to allow examination of the interrelationships between the
original variables. The analysis was made possible by developing a set of
factors that expresses the common traits between them. The results revealed
that the majority of respondents did not identify problems with the use of and
interaction with the IB service. The study generated some interesting findings.
First, the data generally supports the conceptual framework presented. However,
some points need to be made: trust and convenience, from all the elements
referenced in the literature as relevant from the client perspective, continue
to be a very important elements; the results did not support the paradigm that
the characteristics of individuals affect their behavior as consumers,
individual technological characteristics affect consumer adoption of IB
service; consumer perceptions about the IB service affect their use, as reveal
by the existence of three types of customers that show different practices and
perceptions of IB; and intention to use IB is dependent upon attitudes and
subjective norms regarding the use of IB.
