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With the rapid explosion of the online technology, Internet Banking (IB) has been prevalent in recent years and attracts much research attention. Although intensive studies have investigated the determinants of users’ initial acceptance of IB service, much less research has further explored the continuous usage of IB service. This study focuses on the continuous IB service usage intention by examining the role of users’ psychological cognition (e.g., trust and commitment) in improving their continuous usage intention of IB service. Integrating the commitment-trust theory and the unified theory of acceptance and use of technology, we argue that besides contributive effects to continuous usage intention, psychological cognition mediates the influences of usage experiences (e.g., perceived service value, quality of alternatives, and anxiety) on continuous usage intention. This model was tested using survey data …