Abstract
A lot of academic research has been done on Internet banking (IB). This study examines the IB literature through the prisms of nine adoption hypotheses. This review indicates that IB adoption is a complicated and multifaceted process; joint consideration of customers' personal, social, psychological, utilitarian, and behavioral aspects is essential; managers and system developers ought to implement a customer-centric approach focusing on managing belief formation rather than directly impacting behavior. However, the quality of IB research is unclear, and there is little consensus on the methodologies and conceptualizations employed to comprehend the ideas that actually shape IB behavior. There is a dearth of research on the use of interventions that can help managers make wise choices and hasten the adoption process. Understanding the cognitive, emotional, and contextual processes of the client is more crucial than adoption itself because it will ultimately lead to the desired action.
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