Understanding the Behavioural Intention to Adopt Internet Banking: An Indian Perspective (original) (raw)
Related papers
Factors affecting adoption of Internet Banking: A case study from India
The objective of this research is to find out the factors affecting adoption of Internet banking in India. The data is based upon a survey of 150 bank customers using a convenience sampling technique with the aid of a structured self-administered questionnaire. The research model was analyzed using Partial Least Squares (PLS) analysis. The recommended procedures have been tested which is measurement model and structural model. Perceived Usefulness, Perceived Ease of Use, Perceived Risk, Image, Results Demonstrability, Perceived Behavioral Control and Subjective Norm were influence intention to use Internet banking. However, Perceived Ease of Use, Perceived Credibility and Computer Self Efficacy were not influence intention to use Internet banking. The findings of this study are expected to be of great use to the bank marketers. An understanding of the factors identified in this study allows bank managers to direct efforts and resources in the most effective and efficient way to increase bank business in the long run and encourage their bank customer’s to adopt Internet banking. Moreover, this paper contributes to the empirical literature of diffusion of financial innovations, particularly Internet banking in a developing country, such as India.
A STUDY ON FACTORS INFLUENCING CONSUMER ADOPTION OF INTERNET BANKING IN INDIA
A feature of the banking industry across the globe has been that it is increasingly becoming turbulent and competitive, characterized by an increasing trend towards internationalization, mergers, takeovers and consolidation of the banking industry. Internet penetration and concept of Internet banking has dramatically changed the Banking Industry.
User Acceptance of Banking Technology with Special Reference to Internet Banking
2015
How to attract customers to use internet banking technology in a country like India, where use of such technologies by the customers in banking services is still moderately slow? Is indeed an enormous task for the service providers to build strategies to promote usage of internet banking. In this study, researcher has tried to identify few predominant factors and their influence on behavioural intention to adopt internet banking technology. This empirical study proposes nine research hypotheses derived from previous other studies made on users of banking technology. A survey was conducted among 319 users of Internet banking and the data was further analyzed using statistical tools. Multiple regression analysis was done to identify the predominantly influencing factors on user acceptance. The results of the study are identified perceived usefulness, trust, perceived credibility and perceived ease of use as the most influential factors for user acceptance of internet banking technolog...
Internet Banking: Adoption among Bank Customers of Dakshina Kannada District, India
2015
The objective of this paper is to find factors that affect adoption of internet banking in Dakshina Kannada District. This study was based on survey conducted through questionnaire. Data was gathered from bank customers of Dakshina Kannada District. The result of the study point out that, the perception, drivers and key barriers that bank customers of Dakshina Kannada District reflected and face to adopt internet banking are: lack of awareness, low trust, security risk, lack of access and exposure about internet banking. Whereas some respondents reflect that it is easy, cost and time saving, convenient service of bank available around the clock and across the geographies. The study proposes a number of measures which could be useful for banks. The findings may support banks to have a better understanding of customers’ perception to adopt internet banking. This may help banks’ to formulate enhanced strategies that could significantly affect internet banking services and its adoption.
User Acceptance of Internet Banking in North India: With Special reference to the Haryana
The International Journal of Management, 2018
The economic and financial system of the country considers the Banking Industry as its backbone and also recognizes it as a major service sector contributing tremendously to the Indian economy .The banking Industry has observed a change with respect to the financial reforms from the year 1991. In the current scenario, each and every bank is making an attempt to provide new products and services to its customers. However, for the banks to excel from their competitors, there was a need to reframe their strategies and resort to new technological ways of conducting business, in order to provide improved and better services to its customers. The presence of technology is now seen in all sectors of the economy. Internet Banking is a gift of the new technological advancements taking place in the Banking Industry. It can also be stated known as "Online banking" or "Web based banking”. The paper intends to investigate the factors determining the acceptance of Internet Banking ...
Factors Influencing Consumer Adoption of Internet Banking in India
The Banking industry has undergone a dramatic change since internet penetration and the concept of internet banking. Internet banking is defined as an internet portal, through which customers can use different kinds of banking services. Internet banking has major effects on banking relationships. The primary objective of this research is to identify the factors that influence internet banking adoption. Using PLS, a model is successfully proved and it is found that internet banking is influenced by its perceived reliability, Perceived ease of use and Perceived usefulness. In the marketing process of internet banking services marketing experts should emphasize these benefits its adoption provides and awareness can also be improved to attract consumers' attention to internet banking services.
Factors Affecting Customers’ Intention towards the Adoption of Internet Banking
Proceedings of 12th International Research Conference, KDU, 2019
With the advancement of technology, Internet Banking has paved a way for a new era which is far more ahead of the traditional practices of banking. Earlier the customers had to spend their time and energy to visit the banks. But with the introduction of this new innovated system, the difficulties faced by the customers have been reduced to a greater extent. But still in Sri Lanka, thecustomers are lagging behind the traditional customs rather than shifting to new technologies. Thereby the number of customers who use internet banking is still at the primary stage with a lesser number. Therefore, the purpose of this study is to investigate the factors that affect customers’ intention to adopt internet banking in Sri Lanka. the research. Five point likert scale was used to test the constructs of the variables. In determining customers’ intention towards internet banking, the study analyzed 200 customer opinions using questionnaires. Binary Logistic Regression was applied to test the effect of Attitude, Perceived Behavioral Control (PBC), Perceived usefulness (PU), Perceived Ease Of Use (PEOU) and Perceived Risk (PR) on intention to adopt internet banking. The data was employed into SPSS version 21 and carried out the data analysis. The results showed that intention is significantly influenced by Attitude, PBC and PR relative to other factors considered.Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM) were used in as the framework of
2015
Now-a-days banks are adopting new technology and acknowledged as innovative banking. Internet banking is one of among several innovative banking and significantly influence banking and financial undertakings. Banking become easier after arrival of various electronic gadgets and internet facilities. There are many benefits, products and services of internet banking. It is surprising that number of bank customers like to do banking through traditional way. Banks are experimenting various ways to acquire probable number of customer. Still it not works as per expectation and they are not able to retain customers. Adoption of any technology is very much influenced by the perception about that technology among its users and has vital role in the success of that. To find bank customers perception and criteria to discriminate difference between both traditional and internet banking is important. This paper explore perception of customers about adoption of internet banking in urban area of U...
Adoption of Internet banking: An empirical investigation of Indian banking sector
Journal of Internet Banking and Commerce, 2004
The tremendous advances in technology and the aggressive infusion of information technology had brought in a paradigm shift in banking operations. Internet banking that has revolutionized the banking industry world wide has turned out to be the nucleus issue of various studies ...