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.