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The adoption rate of Internet banking services (IBS) is considered to be relatively high in the developed countries; which is not the case for developing countries. The lack of trust plays a vital role in discouraging users from adopting IBS. Therefore, initial trust could be the starting point of making customers comfortable processing their banking transactions online. This study aims to propose a conceptual model of initial trust in IBS in developing countries. The proposed model integratesdblp:conf/isdevel/AljaafrehA14 fatcat:atcefacg6ng2fpm2b73tbpltse