*Assistant Manager, IDBI Bank Ltd., Mumbai. Email: tejaswini.klkrni@gmail.com
**Faculty Member, S.P.B. College of Commerce, Surat. Email: aaishwarya.kulkarni@gmail.com
Online published on 1 May, 2015.
Technology adoption has opened up new channels for the delivery of banking services. Adoption of E-banking provides a 24/7 platform to customers to access banking services. Given the demographic structure of India and the ease that technology provides, the number and volume of online banking transactions is on the rise. The present study attempts to identify the factors determining further adoption of e-banking services amongst existing customers in India.
The objectives of the study are:
Review of behaviour of the respondents in relation to e-banking services.
Review of major factors determining further adoption of e-banking services.
Research Methodology for the study is as follows:
Present study attempts to explore the factors determining further adoption of ebanking services in India. Survey method has been used to conduct the study. Survey was conducted in the form of semi structured questionnaire with questions aimed to investigate profile of respondents, their e-banking behaviour, technology used and factors determining greater usage of e-banking.
Percentages, ranking based on weighted average and factor analysis was used for statistical analysis. Five point likert scales were used to measure the opinion of the customers on different parameters related to adoption of internet banking.
The targeted sample includes bank customers who are already using various services provided on internet banking platform. The sample for conducting the survey contains customers from Surat, Mumbai and Pune. The sample consists of total 100 respondents.
e-Banking, adoption, factors, technology
