Acceptance of E-Banking Among Customers (An Empirical Investigation in India)
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Date
2010
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Abstract
Financial liberalization and technology revolution have allowed the developments of new
and more efficient delivery and processing channels as well as more innovative products and
services in banking industry. Banking institutions are facing competition not only from each other
but also from non-bank, financial; intermediaries as well as from alternative sources of financing.
Anpther strategic challenge facing banking institutions today is the growing and changing needs
and expectations of consumers iii tandem with increased education levels and growing wealth.
Consumers are becoihing increasingly discerning and have become more involved in their
financial decisions. This paper investigates the factors which are affecting the acceptance of ebanking
services among the customers and also indicates level of concern regarding security and
privacy issues in Indian context...Primary data was collected from 200 respondents through a
structured questionnaire. Descriptive statistics was laised to explain demographic profile of
respondents and Factor and Regression analyses were used to know the factors affecting e-banking
services among customer in India. The finding depicts many factors like security and privacy and
awareness level increased the acceptance of e-banking services among Indian customers. The
finding shows that if banks provide them necessary guidance and ensure safety of their accounts,
customers are willing to adopt e-banking