This paper tried to investigate the trend of changes in severity and the impact of dimensions of perceived risks by customers on their intention to adoption of internet banking (IB) by a longitudinal survey. In order to achieve this goal, based on the perceived risk theory, two surveys were conducted using the same research method in 2009 and 2019 in the Iranian context. The results showed that while the effect of all dimensions of perceived risk in both surveys (except social risk) to adoption of IB were significant, the severity and effect of security and privacy risks increased, time risk decreased and financial and performance risks remained unchanged. Finally, based on the analysis of these results, suggestions were made to modify and optimize banking strategies and policies in order to have a greater impact on reducing these risks.

本文试图通过纵向调查来调查严重性变化趋势以及客户感知风险的规模对他们采用互联网银行（IB）的意图的影响。为了实现这一目标，基于感知风险理论，在伊朗背景下，于2009年和2019年使用相同的研究方法进行了两次调查。结果表明，尽管两项调查中感知风险的所有维度（社会风险除外）对采用IB的影响都是显着的，但安全和隐私风险的严重性和影响却有所增加，时间风险降低了，财务和绩效风险却保持不变。最后，在对这些结果进行分析的基础上，提出了修改和优化银行策略和政策的建议，以期对降低这些风险产生更大的影响。