128 страниц. 2015 год. LAP Lambert Academic Publishing In the information system technologies cloud computing is one of the most important evolution. The attractive properties are: speed, pay as you go pattern, cost reduction and scalability. In this study has tried to determine the most important factors of cloud computing adoption. A research model was proposed that is based on TAM-DTM theory. This model was tested using the 162 customers from the FK faculty of UTM in Malaysia. The research‘s findings prove that relative factors such as cost, security and privacy are important drivers for adoption of cloud computing in banking industry. The findings of this study offer a good insight to how students perceive cloud computing and the factors that have important influence on adoption of cloud computing in banking sector.