Abstract
The rapid growth of global internet use has caused an acuteneed for organizations to implement technologies in their daily operations. Inparticular, financial institutions began to promote digital banking servicesamong their customers. Although online banking seems attractive, many peoplefrom different age groups are still resistant to its adoption. Thus, this paperproposes a conceptual approach to adoption of internet banking among middleaged people in Kazakhstan.The studies conducted on IS/IT adoption by using TechnologyAcceptance Model (TAM) have revealed the limitations of the original model.That is why original TAM should be extended in order to explain the key factorsthat are affecting the customers' adoption of internet banking. In this work westudied the IS literature about internet banking adoption through implementingdifferent theories from the psychology field in order to construct a conceptualmodel that would have greater explanation of people's beliefs to use newtechnologies. In particular, we added variables, such as Subjective Norm, Trust,Perceived Risk and Word of Mouth to the conceptual model.