Abstract
"Purpose- E-banking has become a new norm in the banking sector. The main aim of the study is to examine factors affecting E-banking services adoption in Manipur. The proposed model for the study is developed based on Technology Accepted Model. Design/ Methodology/ Approach - A positivism philosophy using a cross-sectional research design employing a standardized questionnaire to examine the factors affecting E-banking adoption in Manipur. The Convenience sampling method is used for the study. The study received a total of 164 questionnaires. Out of which 145 completed questionnaires were collected. IBM- SPSS was used to analyze the data collected through a questionnaire. Factor analysis along with regression is used to test the hypotheses. A Reliability test is conducted to test the scale, and Principal Component Analysis is used to extract variance. Findings- The statistical analysis reveals that out of 25 factors, six factors have been extracted in which the Eigenvalue is more significant than 1.0. Perceived ease of use, Attitude, and Trust are found to be positively substantial towards adoption. Perceived security, Perceived Usefulness, Intention to use failed to influence the adoption of E-banking services in Manipur. Research Implication- There can be variations in results depending on the sample size. The analytical results may limit the generalization as per the researcher's knowledge. So, in-depth studies in similar focus areas add more favorable factors that the present study failed to bring out. Originality/ Value- This study draws the attention of Customers towards the adoption of e-banking services. It examines the factors influencing the customers' adoption of E-banking in Manipur.
Highlights
Bank has become part and parcel of all economic and financial activities around the globe
The new changes in E-banking are at a developing stage in India. It is at the infant stage in Manipur
There is a lack of e-knowledge regarding E-banking services that financial institutions provide
Summary
Bank has become part and parcel of all economic and financial activities around the globe. The fast pace of changes has radically and perceptibly transformed the operational environment of the banking sector. E-banking is defined as the automatic delivery of new and traditional banking products and services directly to customers using an electronic platform or electronic and interactive communication channels. E-banking has witnessed sustained and robust growth in banking as E-banking is the cheapest source of providing banking services to customers either from home or office. The concept of e-banking are based upon internet development, design, and implementation of financial services. The present prospect economy depends on the success and growth of the banking sector in the country, as banking is considered the lifeline of the economy
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