It has been yet to identify the factors affecting attitude and use of online banking in Bangladesh. This study identifies how attitude affects the use online banking. Adopting the influencing factors from previous studies (Karjaluoto et al., 2002) this study identified whether perceived risk, security and privacy affects attitude toward online banking. Likert 5 point scale structured questionnaire has been used. The research method was quantitative and causal one as it tried to find a cause and affect relationships between the variables. Convenience samples have chosen and it included 264 customers of private commercial banks which were analyzed by using SmartPLS-SEM. Result revealed that prior technological experience, prior computer and banking experience, reference group influence, perceived risk and security and privacy have a significant impact on attitude towards online banking in the extended part of the model attitude and use of online banking found to be related to each other.
Keywords: attitude toward online banking, perceived risk, personal banking experience, prior computer experience, prior technological experience, reference group influence, security and privacy., use of online banking service
