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Determinants of Internet Banking Adoption: An Empirical Evidences from Indian Banking

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  • Vijay M. Kumbhar

    (Assistant Professor, Abasaheb Marathe College, Rajapur Dist- Ratnagiri, (Maharashtra) India)

Abstract

The objective of this study is to identify and understand the attitudinal, behavioural, cost, service quality and awareness factors that are significant in explaining intentions to adopt Internet banking services in India. This empirical investigation was undertaken through customers’ survey to scrutinize that which factors are more important in adoption of internet banking in India. The modified scale was developed based on conceptual model of Internet Banking Acceptance to test hypothesis under study. Results of the study shows that, demographic characteristics, internet access, awareness, customer education, cost effectiveness and service quality were most important factors in adoption of internet banking.

Suggested Citation

  • Vijay M. Kumbhar, 2011. "Determinants of Internet Banking Adoption: An Empirical Evidences from Indian Banking," Indian Journal of Commerce and Management Studies, Educational Research Multimedia & Publications,India, vol. 2(4), pages 15-25, May.
    • Handle: RePEc:aii:ijcmss:v:2:y:2011:i:4:p:15-25
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    References listed on IDEAS

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    1. Anssi Mattila & Minna Mattila, 2005. "How perceived security appears in the commercialisation of internet banking," International Journal of Financial Services Management, Inderscience Enterprises Ltd, vol. 1(1), pages 89-101.
    2. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
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    1. Kumbhar, Vijay, 2011. "Service quality perception and customers’ satisfaction in internet banking service: a case study of public and private sector banks," MPRA Paper 36959, University Library of Munich, Germany.

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