Acceptance of E-Banking Among Customers (An Empirical Investigation in India)
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Date
2012
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Abstract
Financial liberalization and technology revolution have allowed the developments of n<
and more efficient delivery and processing channels as well as more innovative products a
services in banking industry. Banking institutions are facing competition not only from each oth
but also from non-bank financial intermediaries as well as from alternative sources of financin
['Another strategic challenge facing banking institutions today is the growing and changing neC'
Biid expectations of consumers in tandem with increased education levels and growing wealt
Consumers are becoming increasingly discerning and have become more involved in the
I financial decisions. This paper investigates the factors which are affecting the acceptance of i
I banking services among the customers and also indicates level of concern regarding security an
privacy issues in Indian context. Primary data was collected from 200 respondents through
itructured questionnaire. Descriptive statistics was !■ used to explain demographic profile (
respondents and Factor and Regression analyses were used to know the factors affecting e-bankin
|icrvices among customer in India. The finding depicts many factors like security and privacy an
I'ftwareness level increased the acceptance of e-banking services among Indian customers, fh'
Ifinding shows that if banks provide them necessary guidance and ensure safety of their accounts
I'CUStomers are willing to adopt e-banking,