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A number of studies have shown that internet banking (IB) implementation is not only determined by banks or government support, but also by perceptions and experience of IB users. IB studies have showed encouraging results from academics in developed countries. Yet little is known about the user adoption of IB in Lebanon. The purpose of this paper is to investigate the factors that may hinder or facilitate the acceptance and usage of IB in Lebanon.

A conceptual framework was developed through extending the unified theory of acceptance and use of technology (UTAUT) by incorporating two additional factors namely; perceived credibility (PC) and task-technology fit (TTF). A quantitative approach based on cross-sectional survey was used to collect data from 408 IB consumers. Data were analysed using structural equation modelling based on AMOS 20.0.

The results of the structural path revealed that performance expectancy (PE), social influence, PC and TTF to be significant predictors in influencing customers’ behavioural intention (BI) to use IB and explained 61 per cent of its variance, with PE was found the strongest antecedent of BI. Contrary to the UTAUT, the effect of effort expectancy on BI was insignificant. In addition, both BI and facilitating conditions were found to affect the actual usage behaviour and explained 64 per cent of its variance

This study would be helpful for bank managers and policy makers to explain the currently relatively low penetration rate of IB in formulating strategies to encourage the adoption and acceptance of IB by Lebanese customers, where IB is still considered an innovation.

This study is the first research that extend the UTAUT by incorporating two additional factors namely; PC and TTF to study the IB in the Lebanese context. This study contributes to the research on computer technology usage by looking at IB adoption and incorporation into the lives of customers via the BI to use and actual usage of IB in Lebanon.

The purpose of the present study is to translate and adapt the Geriatric Anxiety Scale (GAS), a 30-item self-report measure of anxiety among older adults, into Turkish and examine its basic psychometric properties. We tested the translated GAS in a sample of community-dwelling older adults in Konya, Turkey (N=100; M_age=71.4 years, SD=6.5; range=65-88) without a history of mental disorder and sufficient cognitive abilities. To assess the convergent validity, Turkish versions of the Beck Anxiety Inventory (BAI) and Geriatric Depression Scale (GDS) were administered. The mean GAS total score was 13.33 (SD=11.86). Due to low item-total correlations (<0.30), two items (items 2 and 3) were removed from the Turkish version of the GAS. The internal reliability (Cronbach's alpha) was excellent for the total score (0.91) and acceptable for the subscales (somatic = 0.71; cognitive = 0.85; affective = 0.84). Regarding the convergent validity, the GAS total score was significantly and positively correlated with the total scores of the BAI (r=0.87, P<0.05) and GDS (r=0.57, P<0.05), with large effect sizes. Implications: The newly translated Turkish version of the GAS has promising utility in an older adult Turkish sample. Future studies of this measure are warranted.