In our study we combined the technology readiness index (TRI) and TAM into one model. Specifically, we measured the relation between TRIs personality trait dimensions – optimism, innovativeness, discomfort, and insecurity – and the cognitive dimensions of TAM. Data was collected from 810 employees of a multi-site financial service provider. Analysis revealed that personality traits had the expected impact on user perceptions. Surprisingly, Innovativeness was negatively related to usefulness.