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

Vijay M. Kumbhar .


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.


Adoption, Internet Banking, Awareness, Access, Cost Effectiveness, Customer Education, Service quality

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