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Internet Banking Adoption in India: Structural Equation Modeling Approach

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This document summarizes a research paper that examines factors influencing the adoption of internet banking in urban India using a structural equation modeling approach. The paper proposes an extended Technology Acceptance Model to identify key factors such as perceived usefulness, ease of use, social influence, awareness, internet connection quality, and computer self-efficacy. A survey was conducted with 344 current and prospective internet banking users. The findings show these factors significantly influence users' attitudes toward adopting internet banking, which then impacts their intention to use such services. The research aims to help internet banking providers in India improve adoption rates by informing service design.

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Internet Banking Adoption in India: Structural Equation Modeling Approach

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NursamsiWahyuAprianto
72 views2 pages
This document summarizes a research paper that examines factors influencing the adoption of internet banking in urban India using a structural equation modeling approach. The paper proposes an extended Technology Acceptance Model to identify key factors such as perceived usefulness, ease of use, social influence, awareness, internet connection quality, and computer self-efficacy. A survey was conducted with 344 current and prospective internet banking users. The findings show these factors significantly influence users' attitudes toward adopting internet banking, which then impacts their intention to use such services. The research aims to help internet banking providers in India improve adoption rates by informing service design.

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This document summarizes a research paper that examines factors influencing the adoption of internet banking in urban India using a structural equation modeling approach. The paper proposes an extended Technology Acceptance Model to identify key factors such as perceived usefulness, ease of use, social influence, awareness, internet connection quality, and computer self-efficacy. A survey was conducted with 344 current and prospective internet banking users. The findings show these factors significantly influence users' attitudes toward adopting internet banking, which then impacts their intention to use such services. The research aims to help internet banking providers in India improve adoption rates by informing service design.

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© All Rights Reserved
Download as PDF, TXT or read online from Scribd
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72 views2 pages

Internet Banking Adoption in India: Structural Equation Modeling Approach

Uploaded by

NursamsiWahyuAprianto
This document summarizes a research paper that examines factors influencing the adoption of internet banking in urban India using a structural equation modeling approach. The paper proposes an extended Technology Acceptance Model to identify key factors such as perceived usefulness, ease of use, social influence, awareness, internet connection quality, and computer self-efficacy. A survey was conducted with 344 current and prospective internet banking users. The findings show these factors significantly influence users' attitudes toward adopting internet banking, which then impacts their intention to use such services. The research aims to help internet banking providers in India improve adoption rates by informing service design.

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See discussions, stats, and author profiles for this publication at: https://www.researchgate.

net/publication/262725663

Internet Banking Adoption in India: Structural Equation Modeling Approach

Article  in  Journal of Indian Business Research · June 2014


DOI: 10.1108/JIBR-02-2013-0013

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2 authors:

Sujeet Kumar Sharma Srikrishna Madhumohan Govindaluri


Indian Institute of Management Tiruchirappalli Sultan Qaboos University
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5/31/2014 Emerald Insight | Journal of Indian Business Research | Internet banking adoption in India: structural equation modeling approach

EarlyCite Article
Internet banking adoption in India: structural equation modeling
approach

Document Information:
Title: Internet banking adoption in India: structural equation modeling
approach
Author(s): Sujeet Kumar Sharma, (Sultan Qaboos University), Srikrishna
Govindaluri, (Sultan Qaboos University)
Citation: Sujeet Kumar Sharma, Srikrishna Govindaluri, (2014) "Internet banking
adoption in India: structural equation modeling approach", Journal of
Indian Business Research, Vol. 6 Iss: 2
Article
Research paper
type:
Publisher: Emerald Group Publishing Limited
Abstract: Purpose - The purpose of this paper is to understand the factors
influencing adoption of internet banking in urban India.

Design/methodology/approach - A model has been proposed based on


the Technology Acceptance model (TAM). The proposed model is
referred to as extended TAM and is better suited to identify and quantify
the important factors that influence adoption of internet banking
technology in India. Primary data relating to the variables affecting
technology adoption and demographic profile data are collected using a
questionnaire survey. Data were collected from 344 individuals who are
either current/prospective internet banking users. Structural equation
modelling was employed to identify the important factors affecting
internet banking technology adoption.

Findings - The factors perceived usefulness, perceived ease of use,


social influence, awareness, quality of internet connection, and
computer self-efficacy are primary determinants of the attitude towards
use of internet banking in urban India. The attitude towards use of
internet banking can be used to predict the intention to use internet
banking system by users.

Practical implications - This research enables internet banking service


providers in urban India to design new service offerings or modify current
service offerings in order to achieve higher adoption rates in internet
banking.

Originality/value - The paper investigates the adoption of internet


technologies by banking users by proposing an extended TAM model
that is more appropriate to capture the issues related to adoption in
urban India. The paper is of value to researchers in the area of
technology adoption and banking service providers in urban India.

http://www.emeraldinsight.com/journals.htm?issn=1755-4195&volume=6&issue=2&articleid=17111354&show=pdf 1/1

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