| In Indonesia, internet banking application has been implemented by various bank, both government and private. But until now, Bank Pembangunan DKI Jakarta (Bank DKI) still yet hasn’t implemented both phone banking and internet banking service. Replicating TAM by adding the variable of technology readiness to determine clients’ readiness and to find out the gender difference toward internet banking usage. Population of this study were all name of listed active clients of Bank DKI is 2.192 clients (data as of December 30, 2011) and 338 respondent were chosen by using the simple random sampling method. The questionnaire is given directly by the customer service to the chosen clients and some were sent by mail/email based on customers request. The model study meets good and acceptable level of compatibility (Good Fit and Acceptable Fit). The Chi-Square/Degrees of Freedom, RMSEA, CI, NFI, and CFI achieved the level good and acceptable fit. This study proved that attitude toward internet banking strengthen the relationship between perceived usefulness and technology readiness toward intention to use internet banking. While perceived ease of use did not significantly affect attitude toward internet banking and intention to use internet banking. Others findings suggested that invariance gender toward perceived usefulness significantly, but not significantly toward perceived ease of use and attitude toward internet banking. Unfortunately, technology readiness and intention to use internet banking are not invariance between gender. |