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Cyber Banking in India: A Cross-Sectional Analysis Using Structural Equation Model

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  • Divya Gupta
  • Usha Kamilla

Abstract

This paper addresses the factors that affect the user acceptance of cyber banking information systems in India. The paper also presents a cross-sectional analysis of cyber banking usage among the Indian public and private sector banks. The data was collected through a structured questionnaire administered on the cyber banking users of both public and private sector banks of India. The data was first analyzed with principal component analysis through which a Structural Equation Model was developed. Using principal component analysis, five factors—Effectiveness and Trustworthy (EFF&TW), Intend to Use (ITU), Usage Constraints (USC), Easy to Use (ETU) and Accessibility (ACC)—were extracted. The extracted factors were further regressed using OLS regression. The results reveal that out of five factors, the first three factors, i.e., EFF&TW, ITU, USC, consisting of 17 variables, were highly significant at 99% level, which contribute maximum to the overall satisfaction of the customers. The results also reveal that the difference between the overall satisfaction level of the customers of private and public sector banks is less significant as per the regression value.

Suggested Citation

  • Divya Gupta & Usha Kamilla, 2014. "Cyber Banking in India: A Cross-Sectional Analysis Using Structural Equation Model," The IUP Journal of Bank Management, IUP Publications, vol. 0(2), pages 47-63, May.
    • Handle: RePEc:icf:icfjbm:v:13:y:2014:i:2:p:47-63
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    Cited by:

    1. Daha Tijjani Abdurrahaman & Maimuna Saad Sharubutu & Tasiu Tijjani Sabiu & Sa'adatu Balarabe Adam & Mohammed Gaddafi Ibrahim & Ama Aka Udu, 2021. "Examining the Determinants of eBanking Adoption: Evidence from Nigeria," Technium Social Sciences Journal, Technium Science, vol. 22(1), pages 463-482, August.
    2. Shivani Inder & Kiran Sood & Simon Grima, 2022. "Antecedents of Behavioural Intention to Adopt Internet Banking Using Structural Equation Modelling," JRFM, MDPI, vol. 15(4), pages 1-18, March.

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