Adoption Of E-banking Services Research Articles

End-Users' Perception Of Cybercrimes Towards E-Banking Adoption And Retention

The advancement of information and communication technology (ICT)has resulted in dynamic changes in the operations of various business sectors all over the world, while causing inconvenience to users and making stakeholders' lives easier. However, the advancement in the same has brought major concerns for businesses, such as cybercrime. This study focuses on identifying the impact of cybercrime on the adoption of e-banking services in Pakistan. The study aims to understand the impact of hacking, identity theft and phishing on the adoption of E-banking in Pakistan. The data was collected from 384 banking customers through structured questions containing the demographic questions as well as questions related to the constructs used in the study. The findings of the study suggest that hacking, phishing and identity theft negatively affect the adoption of E-banking in Pakistan. The results of the study are discussed in line with the existing literature. The study limitations and future research areas are also discussed.

Impact of demographic variables on consumers’ adoption of e-banking services in Ganjam District of Odisha: An empirical investigation

The primary objective of this research is to determine demographic factors that influence the adoption of internet banking services to improve the situation. As banks are spending a lot of money and time on technology to provide easy and better banking services, hence it becomes critical to examine whether technological advances improve the extent of customer satisfaction. An empirical study has been carried out with the help of 372 respondents in the district of Ganjam, Odisha, India who have access to technology-based banking services. The results of the chi-square test show that there are relationships between demographic factors and various technological banking services provided by the banks to the customers. By using factor analysis and multiple regression analysis it is also inferred from the study that the intense use of technology has negative effects on users' openness to technology-based banking services. This study has clarified many demographical factors which affect the acceptance of technological banking services among the customers in the Ganjam district and has suggested the required measures to adopt more customer-friendly e-banking services.

Examining Factors Affecting Customers Adoption towards E-banking services: An Empirical Investigation in Manipur

"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.

Factors Affecting Customers' Acceptance of Wahda Bank E-Service in Libya

This study aims to identify and analyze factors that are affecting customers’ acceptance of Wahda online banking services in Libya. The study group sample was 250 of E-banking users, who were chosen randomly by the authors of this research. The study concluded that there was a considerable effect of Age Factor, E-Service Quality, E-Service Complexity, E-Service Skills and E-Reliability on the adoption of E-Banking services. Age Group Factor was the most effecting element on Libyan Wahda Bank Online Customers’, while E-Security issues were surprisingly the least influential factor. This study proved the importance and effectiveness of the of the following E-Service quality dimensions: E-Banking Ease of Use, E-Efficiency, E-Design, E-Cost Effectiveness, E-System Failure and denied the existence of the effect of E-Data Protection concerns on Customers’ adoption of E-banking services

Opportunities and Challenges of Online Banking in Nepal

This descriptive study aims at exploring the challenges and opportunities of e-banking in the Nepalese banking sector. The required data are collected from bank employees by applying a self administered questionnaire, semi-structured interviews and the desktop research. The findings demonstrate that banks expand to e-banking services in order to remain competitive, to update themselves with new technological developments and to minimize transaction cost and to facilitate customers. The major challenges faced the e-banking customers are non-familiarity with advanced technology, internet connection problems, problems regarding security and privacy. These challenges have a negative influence on the adoption of e-banking services by customers in Nepal. To overcome the challenges, Nepalese banking industry should invest on adopting the most secured and trustworthy e-banking system and educating customers on the use and importance of e-banking regularly.

Ispitivanje faktora koji utiču na prihvatanje usluga e-bankarstva u gradu Čenaj

India being a developing country still has millions of people who prefers to have traditional branch banking system rather than e-banking. The reason behind their preference is either they hesitate or they don't have sufficient knowledge about the e-banking services. The purpose of this study is to examine the relationship between perceived usefulness, perceived barriers, customer attitude, and perceived effectiveness of adoption of e-banking services. An effective number of responses of 470 respondents from both public and private banks' customers were used to examine the hypothesized relationships. Structural equation modelling are performed to test the constructs and their relationships. The study found that there is a direct relationship between perceived usefulness and technology adoption in developing customer attitude toward adoption of e-banking services; whereas, there is no relationship between perceived barriers and technology adoption. The sample size and potential respondents from a selected region of the study may limit its wider applicability and generalization.

Customer Perception Towards Adoption of E-Banking Services in Kathmandu: A Survey of Business School Students

This paper aims to examine the association between the perception of business school students and their adoption of e-banking services. This study integrates Technology Acceptance Model (TAM) and perceived risk to explain the adoption of e-banking. The study measures customer perception towards the adoption of e-banking services in terms of a) perceived usefulness, b) ease of use and c) perceived risks. Based on descriptive and causal research designs, the study made use of primary data collected through a structured questionnaire surveyed successfully on 159 business school students. By using descriptive statistics, t-test, correlation and regression, the study discovered that customer perception of usefulness, ease of use and risks have impacted on the adoption and use of e-banking services. Among the three perception variables measured, perceived usefulness made the strongest influence on business students’ adoption of e-banking in Kathmandu. The study findings should prove instrumental in formulating e-banking strategies targeted at Generation Z (Post-Millennials or iGeneration) and Millennials.

Customer Perception towards Adoption of e-banking Services in Kathmandu: A Survey of Business School Students

This paper aims to examine the association between the perception of business school students and their adoption of e-banking services. This study integrates Technology Acceptance Model (TAM) and perceived risk to explain the adoption of e-banking. The study measures customer perception towards the adoption of e-banking services in terms of a) perceived usefulness, b) ease of use and c) perceived risks. Based on descriptive and causal research designs, the study made use of primary data collected through a structured questionnaire surveyed successfully on 159 business school students. By using descriptive statistics, t-test, correlation and regression, the study discovered that customer perception of usefulness, ease of use and risks have impacted on the adoption and use of e-banking services. Among the three perception variables measured, perceived usefulness made the strongest influence on business students’ adoption of e-banking in Kathmandu. The study findings should prove instrumental in formulating e-banking strategies targeted at Generation Z (Post-Millennials or iGeneration) and Millennials.

Perception Towards Adoption and Acceptance of E-Banking in Mauritius

This study aims at understanding the customer satisfaction on adoption of e-banking services at Mauritius. This is an empirical evidence, with the help of primary data (drop off survey) and seconda ...

Factors Influencing the Banking Customers to adopt the E-Banking Services in Kanyakumari District

Electronic Banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-Banking provides the convenience and flexibility of 24 hour banking from home or working place which otherwise becomes difficult in hectic schedules and busy lives. It enables individual customers or businesses to access accounts, transact business or obtain information on financial products and services through the internet. Through e-banking it is possible to do transactions from any part of the world. It provides ease and comfortability to the customers, there is no need of physical presence of any customers in bank. In order for banks to increase returns on their investment in e-banking for their retail customers, it is imperative that they understand the factors that influence the adoption of e-banking services within their environmental context. For instance, perceived usefulness and ease of use are variables generally believed to influence the adoption of e-banking technologies. In this study, however trust in the e-banking system emerged as the most significant factor that impacts the adoption of the e-banking services.

Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia

This paper contributes to the electronic banking (e-banking) literature by applying the modified Technology Acceptance Model (TAM) in an under-researched Zambian context. Specifically, it examines the influence of e-banking technology’s perceived usefulness, perceived ease of use and trust (safety and credibility) on e-banking adoption. Based on a quantitative correlational design, primary sample data were collected from 222 bank customers from two of Zambia’s largest cities. The findings indicate that the modified TAM model is applicable in the Zambian context and that perceived usefulness, ease of use and trust each significantly positively influences attitude to e-banking. In turn attitudes to e-banking influence intention and actual adoption of e-banking services. For scholars, practitioners and policy makers, the study shows that improving perceptions of trust (safety, security and credibility), usefulness and ease of use of e-banking systems would result in increased adoption. This paper is the first to extend the modified TAM model into the under-researched developing country context of e-banking in Zambia.

Factors Affecting Customers' Adoption of E-Banking Services in Jordan

This study aimed to identify and analyze factors affecting customers' adoption of E-Banking services in Jordan. The study sample was 450 E-banking services users, who have been chosen from nine main banks selected by the researchers. The study concluded that there was a significant effect of (E-Service Quality, E-Perceived Usefulness, E-Security, E-Reliability) on the adoption of E-Banking services. E-Service quality was the most effecting factor on customers' adoption of E-Banking services, while E-Security was the least influential factor. The study proved the existence of the effect of the following E-Service quality dimensions: E-Ease of Use, E-Privacy, E-Efficiency, E-Design and E-Cost Effectiveness and denied the existence of the effect of E-Responsiveness on customers' adoption of E-banking services.

Influence of Marketing on Consumer's Adoption of E-Banking

The financial system plays an extraordinary role in developing and enriching the domestic economy. E-banking service as an innovative software product and service for customers was introduced few years ago in the country from variety of national and international banks: ProCredit Bank, Raiffeissen Bank, Teb Bank, NLB Bank etc., enabling consumers to have access to their bank accounts over the internet. Since internet usage grows rapidly in the country even adoption of e-banking is expected to flourish. Behavior of customers toward adoption is explained using different behavioral model. The objective of this study is to analyze the consumer-adoption process toward e-banking. The survey is used in this respect, to find out the way they learn, try, and adopt or reject e-banking service. Furthermore, the hypothesis those females are significantly different from males on adoption of e-banking services, it prevails the null hypothesis that gender doesn’t affect adoption of e-banking services. The study reveals the characteristics of the consumers toward ebanking adoption process, such as differences in individual readiness to try new product; the information searching; advertisement and direct marketing influence; and speed rates of adoption and non adoption among genders.

Evaluating the Impacts of Online Banking Factors on Motivating the Process of E-banking

Purpose – The purpose of this research paper is to explore and mature the Impact of selected factors on the customers’ intention to use internet banking in Bahrain.Design/methodology/approach – This research based on an empirical study using a questionnaire with five-point Likert-scale, is applied to 171 usable responses. Three factors are tested, that is perceived usefulness (PU), perceived ease of use (PEOU), security and privacy (PC).Findings – Results indicate that all the elements for the three identified factors are important with respect to the users’ adoption of e-banking services. Credibility factors (Security and Privacy) are the major sources of dissatisfaction, which have remarkably impacted users’ satisfaction. In the meantime, perceived ease of use (PEOU) and perceived usefulness (PU) are sources of satisfaction. The results also disclose that security and privacy factors play an important part in determining the users’ acceptance of e-banking services with respect to different segmentation of age group, income level and level of education.

E-banking: challenges and opportunities in the Greek banking sector

Internet technologies have a great potential for changing fundamentally the banks and the banking industry. The opportunities, which the e-banking services and technologies offer to the banking sector in order to fulfil existing customer needs and to attract new prospective customers, are the driving forces for banks in order to design, develop and operate their own e-banking systems. This paper examines the challenges and opportunities of e-banking for the Greek banking sector, during the e-commerce era, and also presents the results of a survey of banking executives working at banks offering e-banking services. The main findings demonstrate that banks expand to e-banking services in order to remain competitive, to keep track with technological developments and to benefit from the lower cost of e-banking transactions. The major problems they face are the low response rate from customers and the implementation of security and data protection mechanisms. The relatively low Internet usage, the non-familiarity with technologically advanced devices and problems regarding security and privacy are the main factors that have a negative influence on the adoption of e-banking services by customers in Greece.