Over the past few decades, financial institutions have been considerably influenced by swift technological advancements. Therefore, it is critical to understand employees’ reactions and adoption of cutting-edge technologies in order to build up their morale, efficiency and work quality. Furthermore, there is slow technology adoption and learning in Pakistani financial institutions owing to a lack of infrastructure, lack of trust, improper knowledge, security, and quality of services offered by financial institutions. Thus, this study intentions to empirically examine the effects of personality dimensions (optimism, innovativeness, discomfort, and insecurity) of TRI (Technology Readiness Index) on the cognitive dimensions of TAM (Technology Acceptance Model) for online readiness, as well as to investigate this relationship with the moderating role of individual beliefs (subjective norms and self-efficacy) in financial institutions of Pakistan. In this study, a self-administered questionnaire was utilized to acquire 351 valid responses from the employees of financial institutions in Pakistan. The model was tested employing the collected data with the help of the Partial Least Structural Equation Modeling (PLS-SEM) technique applied through SmartPLS 3.3.2 software. The findings reveal that both technology readiness and technology acceptance are cardinal in shaping employees’ behavioral intentions toward the internet banking system. Furthermore, the results posit that individual beliefs significantly concatenate TRI and TAM into TRAM. This study suggests that integrating TRI with TAM in relationship with moderating roles of subjective norms and self-efficacy would give countenance to the employees of financial institutions in adopting avant-garde technology to boost their efficiency and work quality.