பொருளாதாரம் மற்றும் மேலாண்மை அறிவியல் சர்வதேச இதழ்

Factors that Influence the Adoption of Online Banking Services in Hyderabad

Abstract

Maitlo GM, Kazi ZH, Khaskheley A and Faiz M Shaikh

The purpose of this research paper is to determine those factors that influence the adoption of online banking services in Hyderabad. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of online banking in Hyderabad. A total of 302 respondents in Hyderabad were sampled for responding. Factor analyses and regression technique are employed to study the relationship. The results of the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market