Internet Banking: A Survey on New Approach to Banking and Its Adoption Among Urban Conglomerates of Coastal Karnataka

摘要

Today’s world is experiencing, exploring and enjoying online services and enhancing related update information and skills. Day by day increasing number of online services and its access shows tremendous changes in our life style. With the advancement of technology and rise ofinternet usability and access a number of changes occurs in almost every sector. Banks are one of the service sector that adopted new technologies. Banks providing various services online. Internet banking is banks one of the new service. The purpose of this study was to find influencing factorsto adopt internet banking by bank customers of urban area of coastal Karnataka. This study was quantitative research and conducted by using survey research method with the help of questionnaire as a research tool. Five point Likert scale was used to collect information from 1250 respondentsout of that 1012 usable questionnaire were included for analysis. The result of the study indicates that perception and driving factors are important for customers to adopt internet banking. As well as according to customers’ knowledge, resource, security and privacy play vital roleto adopt any new technology. Habit to use traditional ways of banking and feel of “no need to use internet banking” also influence customer to adopt internet banking.