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Seung-Woon KimMuch research has paid much attention to TAM(Technology acceptance Model) for explaining the factors that have an impact on user acceptance of Internet Banking. In this study, however, we try to approach the issue of the acceptance of Internet Banking with a point of view different from that of the existing research. Internet Banking is another channel provided by banks for improving customer services along with bank branches. Therefore Internet Banking can be a complementary or alternative channel of the conventional brick-and-mortar bank channels. With such viewpoint, based on a web-based survey of bank customers using Internet Banking, we investigated the impact of off-line services satisfaction, switching barriers such as switching cost and the attractiveness of Internet Banking, individual characteristics including innovativeness and social needs on acceptance of Internet Banking comprising the current usage and the intention of continuous use of Internet Banking.It was found that off-line services satisfaction was the key factor having a negative impact on the current usage while having a positive impact on the intention of the continuous use. The attractiveness of Internet Banking impacted the most positively on the acceptance of Internet Banking while switching cost and social needs did negatively on it. Finally individual innovativeness was found to have an impact on the customers acceptance of Internet Banking.