Adoption Of E-banking Research Articles

A Study On Present Status of E Banking Services in Tamil Nadu

E-banking has rapidly transformed the banking landscape in Tamil Nadu, driven by technological advancements and increasing internet penetration. This paper examines the current status of e-banking services in the state, highlighting key features such as mobile banking, online transactions, and digital wallets. The rise of fintech companies has introduced innovative solutions, enhancing customer experience and accessibility. Despite the growth, challenges remain, including cybersecurity threats and digital literacy gaps among certain demographics. The government's initiatives, such as the Digital India campaign, aim to promote e-banking and financial inclusion. Overall, Tamil Nadu is witnessing a robust adoption of e-banking, making it a crucial player in India's digital financial ecosystem.

Impact of Technological Progress on Consumer Trust and Adoption of E-Banking

Abstract: In this research paper, I have thoroughly described the topic “Impact of Technological Progress on Consumer Trust and Adoption of E-Banking”. The financial services sector has seen a transformation due to the advent of technology improvements, especially with the increasing use of electronic banking, or e-banking. Traditional banking methods have been transformed by the advancement of digital technology, which has made it easier to create complex financial systems and services that are available via a variety of electronic devices. But even as these developments provide potential, a serious worry emerges about the complex relationship that exists between e-banking adoption, customer trust, and technical improvement. Building effective banking relationships requires a lot of trust, particularly in the digital sphere where fraud, privacy, and data security are major problems. The increasing dependence of customers on e-banking for financial operations necessitates a high degree of trust between the technology and the organizations providing these services. However, customer opinions of security, dependability, usability, and overall value are just as important in determining whether or not e-banking is adopted as a banking option as technical developments. To create an environment that is favorable for digital financial services, financial institutions and regulators need to understand the subtleties of customer trust and how it affects the adoption of e-banking in the context of technical improvements. In order to shed light on the opportunities, problems, and consequences in the rapidly changing field of digital finance, this paper will examine the complex relationship that exists between technological advancement, consumer confidence, and acceptance of e-banking. The abstract emphasizes the symbiotic link between trust and adoption, indicating that as trust in e-banking services grows, so does the adoption rate, underscoring the importance of technology innovation in reshaping the banking landscape.

A Comparative Study on Digital Financial Literacy and E-Banking Adoption

Abstract: In this research paper I have thoroughly described about the topic “A Comparative Study on Digital Financial Literacy and E-Banking Adoption”. The rapid expansion of digital technology has altered money. Thus, digital financial literacy and ebanking are more crucial than ever. The opening of this paper discusses the relationship between digital financial literacy and ebanking and their importance in the current world. Digital financial literacy is having the knowledge, skills, and trust to manage your money online. E-banking services are increasing, therefore people must grasp online transfers, mobile payments, and safety. The purpose of this research is to determine whether digital financial knowledge affects e-banking usage. E-banking is popular since it's simple and provides financial services. To be extensively utilized, individuals must comprehend and accept digital technologies. This research assumes that individuals who understand digital finances would utilize e-banking more since they grasp its advantages and hazards. Mixed-methods research will test this notion. This means quantitative surveys and qualitative interviews will be utilized to learn about individuals' attitudes, challenges, and motives for utilizing e-banking. The research seeks to determine which aspects of digital financial literacy most impact online bankers. This work has wide-ranging impacts. Financial organizations, politicians, and schools may utilize its findings to develop targeted initiatives to increase digital financial literacy and encourage confident e-banking. Filling knowledge gaps and addressing anxieties may help society reap the advantages of digital banking while minimizing hazards. This research contributes to the digital financial literacy and e-banking discussion. It intends to reveal how people's digital financial abilities impact their propensity to utilize e-banking services, paving the way for an open, information-based digital financial future.

Determinants of E-Banking Adoption: A Study of Co-operative Banks in Himachal Pradesh

Determinants of E-Banking Adoption: A Study of Co-operative Banks in Himachal Pradesh

Does IT culture archetypes affect the perceived usefulness and perceived ease of use of e-banking services? A multistage approach of Algerian customers

PurposeThis paper explores the effect of individual information technology culture archetypes on the perceived ease of use and perceived usefulness of e-banking customers.Design/methodology/approachA multi-stage approach was used. First, a cluster analysis was performed (based on a survey of 360 Algerian bank customers). Second, a multiple regression analysis was assessed to test the hypotheses.FindingsThe cluster analysis reveals five IT cultural groups for e-banking customers: dangerous, dodgers, compliant dodgers, disenchanted and addicted customers. A mapping of these archetypes is then proposed and tested. The multiple regression analysis shows that the dangerous IT culture archetype exhibit the highest level of perceived ease of use and perceived usefulness beliefs when the dodgers show the lowest one.Research limitations/implicationsThis study is limited in that it adopts a relatively small convenience sampling in Northwest Algeria. Furthermore, enriching the model with other antecedents could be of use. However, it clarifies the issue of whether the same IT culture archetypes can be found in different contexts and show that the IT cultural archetypes list is not exhaustive.Practical implicationsThe study contributes to the existing knowledge on e-banking adoption in developing countries and provides Algerian banks with some crucial elements.Originality/valueThis paper is one of the first to investigate the impact of IT culture archetypes on e-banking adoption. It (1) identified five IT culture archetypes, (2) proposed a mapping of these archetypes, (3) reinforces the use of the spinning top model and (4) goes further as it applies it in a new context (developing country) and industry (banking).

E-Banking Technology: A Comprehensive Study on Customer Satisfaction and Bank Services

This paper explores the dynamic landscape of e-banking technology, emphasizing advancements in hardware, software, and networks to deliver innovative solutions. It highlights moderate e-banking adoption among surveyed individuals, underscoring the crucial role of customer satisfaction in banking services. Despite this, critical gaps are identified, motivating the study to provide a detailed analysis of responses concerning cloud services, bank system security, service quality, and e-learning initiatives. With meticulous data collection from 125 respondents, primarily students from Tangerang actively using e-banking, the research investigates the frequency and patterns of e-banking usage. Through comprehensive descriptive analysis, the study offers insights into customer satisfaction in the e-banking domain and sets the stage for future causal research. Its ultimate goal is to enhance comprehension of the factors influencing customer satisfaction in e-banking.

Anxiety, Perceived Risk, Psychological Satisfaction as Correlates of Consumer Acceptance of E-banking in Pakistan

Consumer behavior is shaped by several psychological processes including anxiety, satisfaction and perception of risks involved in service utilization. Advancements in technology have significantly affected the consumer decisions. Financial security has always been one of the main concerns of many individuals which is also linked with their quality of life and emotional wellbeing. Objective: To identify the personal and social factors correlated with e-banking adoption, perceived risks linked to e-banking and psychological satisfaction related to e-banking adoption. Methods: A descriptive cross sectional study comprising 440 adults belonging to different areas of Pakistan were included in the study. The data were collected through a detailed demographic form and questionnaire specifically designed for this study between February 2023 and April 2023. Data were processed and analyzed using standard statistical software. Results: Age, education, gender turned out to be significant personal correlates of adoption of nonconventional modes. Income and residential setup were identified as significant social correlates of nonconventional mode adoption. Issues related to trust, ease of use, safety and usefulness were the main factors perceived as risks. Men and women showed different levels of psychological satisfaction attached with adoption of nonconventional modes of transaction. Conclusions: Several personal and social factors are pivotal to adoption of nonconventional modes of financial transactions and lead to different pattern of perceived risks and satisfaction

The Effect of E-Banking Adoption on Customer Satisfaction and Loyalty in Commercial Banks in Rwanda: A Case of Bank of Kigali

The Effect of E-Banking Adoption on Customer Satisfaction and Loyalty in Commercial Banks in Rwanda: A Case of Bank of Kigali

Factors influencing customers’ intention to adopt e-banking: a TAM and cybercrime perspective using structural equation modelling

PurposeThis study assesses the factors influencing customers’ intention to adopt e-banking in the context of the technology acceptance model and the moderation role of cybercrime.Design/methodology/approachThe variables in the study are measured using a five-point Likert scale with measures adopted from existing literature. The independent variables are perceived ease of use, perceived usefulness and security and privacy. These are postulated to be moderated by the perceived risk of cybercrime and to influence e-banking adoption intentions. A quantitative approach is used. Primary data are collected from a sample of 209 randomly selected bank customers. The study uses a two-step (measurement model and structural model) approach to data analysis.FindingsThe key findings in this study are that perceived risk of cybercrime strengthens the positive relationship between perceived ease of use and e-banking adoption intentions but dampens or weakens the positive relationship between perceived usefulness and customers’ e-banking adoption intentions. The study makes several recommendations to inform scholarship, policy and practice.Originality/valueUnlike existing literature, the study makes a unique contribution by including perceived risk of cybercrime as a moderating variable of theoretical significance in the relationship between adoption of e-banking and its determinants.

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

Aims: The mobile and internet revolution has influenced creation and delivery of financial services leading to more innovative ways of linking customers and partners. Electronic Banking (e-banking) has opened up a new channel of banking resulting in new capabilities for banks as intermediaries. The research questions that the study sought to answer include, the role of mobile banking on the financial performance in Kenyan commercial banks, the effect of Electronic Funds Transfer (EFT) on the financial performance of Kenyan commercial banks.
 Study Design: The research adopted descriptive design with quantitative data approaches.
 Place and Duration of Study: The target population was made up of 24 Kenyan Commercial Banks in the North Coast region of Kenya with a total of 240 employees. These banks are top tier lead brands listed in the stock exchange in the banking sector in Kenya between December 2022 and July 2023.
 Methodology: Strata of top management (section heads), middle managers (branch managers and super agents) and operational employees (lower cadre employees & credit officers) provided 72 respondents. Both secondary and primary data sources were used with the self-administered questionnaires containing both open and closed ended questions. Data analysis included descriptive statistics, correlation and multiple regression on a model of Y = 1.518+ 0.438 X1 + 0.136 X2 + ε.
 Results: The correlation of the independent variables and the dependent variable was high and positive at 0.697 and 0.573 for mobile banking and Electronic Funds Transfer on financial performance respectively. The value of the adjusted R squared was found to be 0.654. The value of F-statistic was found to be 44.919 and it p-value 0.000. The regression coefficient of mobile banking was found to be 0.438 with a t-statistic value of 6.126.
 The regression coefficient of EFT was found to be 0.136 with a t-statistic value of 6.182.
 Conclusion: There is a strong relationship between mobile banking, EFT and financial performance of commercial banks in Kenya. M-banking has significantly reduced operational costs while EFT has increased the number of daily transactions. The study established that the popularity of m-banking has is due to the intensity of technology penetration of mobile phones to bank customers which has resulted in the number of customers registering for m-banking services to increase in the last five years. Commercial banks have also experienced increased ROA and growth in market share with adoption of e-banking.

Quantitative analysis of the impact of electronic banking on the financial performance of rural banks in Indonesia

The rapid growth of electronic transactions has transformed the landscape of many industries, especially in the banking sector. This digitalization growth has brought about the need to understand the impact of the adoption of electronic banking in rural banks on the financial performance of rural banks in Indonesia. The aim of this research is to analyze the extent to which the adoption of e-banking influences consumer electronic trust (e-trust) and financial performance. The research method used is quantitative, involving data collection through questionnaires. Respondents in this study are managers of rural banks in West Java, Indonesia. The sample size used is 200 participants. Data collection took place over two months from May to June 2023. Data analysis was performed using Structural Equation Modeling (SEM) through SmartPLS 4 software. The research results indicate that the adoption of e-banking has a positive and significant impact on consumer e-trust and financial performance. Consumer e-trust has also been proven to mediate the relationship between e-banking adoption and financial performance. These findings provide profound insights into how e-banking plays a key role in building consumer e-trust and enhancing the financial performance of banking institutions. This research makes a significant contribution in the context of developing e-banking strategies in the banking sector. The implications of these findings can guide policies, strategies, and innovations in the banking sector to optimize the benefits of electronic banking, build consumer e-trust, and enhance financial performance in this digital era.

Examining the adoption decision of Islamic electronic banks in Jordan

This study aims to examine the factors affecting Jordanian Islamic banks’ customers’ adoption of electronic banks. The study relied on quantitative methods, where the study designed a questionnaire based on the Technology Acceptance Model (TAM) which derived from the Theory of Reasoned Action (TRA). The study sample consisted of 470 respondents. The study applied the Partial Least Squares Structural Equation Modeling (PLS-SEM), where the results of the Chi-square test and the standardized root mean square residual (SRMR) test showed the validity of the model for analysis. The results showed that usefulness, privacy, and awareness affect the adoption of e-banking, and that ease to use and electronic skills affect the adoption of e-banking through usefulness. The results also show that Infrastructure does not affect the adoption of e-banking, and Convenience does not affect the adoption of e-banking through Intention to use e-banking. The study advises Islamic banks to spread awareness about the importance of electronic banking and design easy-to-use electronic services that enjoy privacy and security.

Factors Affecting the Adoption of E-Banking on Customer Satisfaction in Developing Countries Based on the E-S-QUAL Model: A Case of Investrust Bank

Factors Affecting the Adoption of E-Banking on Customer Satisfaction in Developing Countries Based on the E-S-QUAL Model: A Case of Investrust Bank

An assessment on the factors affecting e-banking adoption among customers: an empirical investigation in West Bengal

An assessment on the factors affecting e-banking adoption among customers: an empirical investigation in West Bengal

Appraisal of the Constraint of Adoption for E-Banking System in Pakistan

Based on the notion of e-Readiness, this research aims to provide a detailed and original explanation of the factors that may affect the adoption of E-Banking, which is the relatively latest variant of conventional banking in Pakistan. This research is designed to evaluate the opportunities and constraints of the E-Banking system and to find the socio-economic determinant of adoption to propose the policy implications to increase the efficiency of the online banking system in Pakistan. The primary data were collected with the help of a well-structured questionnaire and a well-designed survey. A sample of 600 respondents was selected by stratified simple random sampling technique. Collected data was organized and analyzed. The results indicated that family sizes, age of the respondent, education of the respondent, and income of the households were observed as the important socio-economic characteristics of e-banking adoption. The constraints relating to socio-economic, financial, demographic, and technological factors are highly ranked by respondents. Variables related to financial and institutional factors are ranked low as banking is an efficient sector in Pakistan, and a competitive environment ensures the efficacy of the banking system. Results of the probit model showed that Age of Customer education, personal income, working hours, gender, remittances, credit card user, and distance from bank branch.

EFFECTS OF E-BANKING ON CONSUMER SATISFACTION AND ITS POTENTIAL CHALLENGES: A CASE OF PRIVATE BANKS IN PUNJAB

The adoption of E-banking by private banks in Punjab has seen momentous growth in modern era. This growth can be attributed to several factors, including the increasing penetration of smartphones, improved internet connectivity, and evolving consumer preferences. The primary objective of this study was to evaluate consumer satisfaction levels concerning E-banking initiation provided by exclusive banks in Punjab, Pakistan. Additionally, the study aimed to identify the key components that influence consumer satisfaction with E-banking in private banks in Punjab. These factors include service quality, security, user experience, and innovation. To conduct this study, a quantitative cross-sectional approach was employed, and the sample size consisted of 200 customers. The obtained reliability of the study fell within an acceptable range. The results of this research provide significant insights into the complex relationship between E-banking adoption, the various influencing factors, and overall customer satisfaction levels in private banks in Punjab. Unequal access to technology and digital literacy can limit the benefits of E-banking to certain segments of the population, potentially leading to dissatisfaction among excluded groups. Banks should work on bridging this divide to ensure broader customer satisfaction. Private banks in Punjab must continue to innovate and adapt to evolving customer expectations to maximize the benefits of E-banking and maintain high levels of consumer satisfaction.

Factors Impacting Senior Citizens’ Adoption of E-Banking Post COVID-19 Pandemic: An Empirical Study from India

The global economy and the financial sector have suffered due to the COVID-19 epidemic. The banking industry has seen an increase in digital channels and payments, consumer behavior changes, regulatory and supervisory relief, and new operational resilience challenges due to the COVID-19 pandemic. Therefore, seniors have had to adopt new channels and technologies instead of traditional cash and traditional channels. However, older people in India are not tech-savvy and avoid e-banking. Thus, stakeholders (e.g., bank authorities, governments) must focus on variables affecting the older population’s use of e-banking to reduce financial isolation. Thus, this study uses an extended Unified Theory of Acceptance and Use of Technology (UTAUT) framework to examine senior citizens’ intentions to use e-banking. Data from “456” senior citizens from central India were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) techniques. The study identified different significant predictors (e.g., performance expectancy, effort expectancy, perceived risk, self-efficacy, perceived trust, and anxiety) of older users’ intention to use e-banking post-COVID-19. This is the first study from central India to determine elderly people’s intention to use online banking during and after the COVID-19 pandemic. The findings will help bank authorities and other stakeholders increase senior citizens’ financial inclusion in India.

The Impact of E-Banking in Rural Areas of Malappuram District

E-banking has emerged as a powerful tool to promote financial inclusion and bring banking services to the underserved and unbanked population in rural India. The advancement in technology and the increasing penetration of the internet have paved the way for e-banking to reach the rural population. The adoption of e-banking in rural areas faces several challenges, such as lack of internet connectivity, low literacy levels, inadequate infrastructure, and security concerns. Despite these challenges, e-banking has several opportunities for promoting financial inclusion and economic growth in rural India. E-banking can bring banking services to the unbanked population, thereby promoting financial inclusion and reducing poverty. E-banking is also cost-effective as it eliminates the need for physical infrastructure, such as branches and ATMs, which can be expensive to set up and maintain. E-banking provides convenience to rural customers by allowing them to conduct banking transactions from the comfort of their homes. Finally, e-banking enables banks to automate their processes, resulting in improved efficiency and faster processing times. This paper aims to explore the opportunities and challenges of e-banking in rural India and provides recommendations to promote its adoption.

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.

E-Banking Adoption by Algerian Bank Customers

This study aimed to identify the factors affecting customers' adoption and use of e-banking services in Algeria. For this purpose, a theoretical model—based on the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT)—was developed. To test the hypotheses, a survey was conducted on 326 Algerian bank customers, and the data were analyzed using structural equation modeling. At the end, the results indicate that perceived usefulness and perceived ease of use significantly positively influence attitudes toward e-banking. In turn, attitudes toward e-banking influence behavioral intention and behavioral intention, facilitating conditions each influence significantly and positively actual e-banking use. The results also found that the relationship between perceived usefulness and attitude toward e-banking use was stronger for women, and the relationship between facilitating conditions and actual e-banking use was significantly stronger for older end-users.