Internet Banking In India

by

Acknowledgement

I would first like to express my gratitude for my research supervisor, colleagues, peers and family whose immense and constant support has been a source of continuous guidance and inspiration.

Declaration

I [type your full first names & surname here], declare that the following dissertation/thesis and its entire content has been an individual, unaided effort and has not been submitted or published before. Furthermore, it reflects my opinion and take on the topic and is does not represent the opinion of the University.

Signature:

Dated:

Abstract

To find the factors influencing the adoption of internet banking; such factors could be found out by studying and establishing the relationship between adoption of internet banking compare to traditional banking and consumer behavior, attitude and acceptance of new technology. Adoption of internet banking is depends on the various factors like age, qualification, ease & convenience, time saving, trust, safety & security, bank charges, computer knowledge and new technology. Therefore, to find the casual relationship between these variables, this research is primarily explanatory in nature.

Table of Contents

CHAPTER 3: METHODOLOGY6

Introduction6

Research purpose6

Research approach7

Quantitative and Qualitative research approach7

Research strategy8

Sampling9

Questionnaire10

Data collection11

Quality Standards: Reliability, Validity and Generalization12

Reliability12

Validity13

Generalization13

Strengths and Weaknesses of this method14

CHAPTER 4: RESULTS AND FINDINGS15

Introduction15

Data analysis method15

Demographics and descriptive statistics16

Questionnaire Responses19

Perception of People about the Internet Banking System of BOB19

Image19

Perceived Usefulness22

Perceived Behavior of Control28

Subjective Norm32

Computer Self-efficacy36

Perceived Risk40

Data analysis and explanation to hypothesis45

Test of hypothesis 145

Test of hypothesis 246

Test of hypothesis 347

Test of hypothesis 448

Test of hypothesis 549

Test of hypothesis 651

Test of hypothesis 752

Test of hypothesis 853

Test of hypothesis 954

Test of hypothesis 1054

Results and summary of hypotheses56

CHAPTER 5: CONCLUSION AND RECOMMENDATIONS60

Introduction60

Recommendations for Further Research67

Discussion60

Internet banking adoption - Push strategy60

Internet banking adoption - Pull strategy61

Contribution of the research65

Conclusion65

Limitations of the Research66

REFERENCES68

APPENDIX75

Questionnaire75

Appendix A: Descriptive statistics for convenience and ease of internet banking Convenience and ease of IB77

Appendix B: Descriptive statistics for ease between internet banking and traditional banking IB easier compare to TB78

CHAPTER 3: METHODOLOGY

Introduction

This chapter stat by justifying the research method use to gather primary data for this research, which is a questionnaire survey of customers of Bank of Baroda, including internet banking users and non-users.

This research attempts to look at the phenomenon of internet banking from the perspective of the financial institutions (banks) and users of the financial services (customers). To understand the two different contexts, this research has formulated two factors which are the internal factors and the external factors. The internal factors would be best addressed through the analysis of the secondary data findings, whereas the external factors would be approached with the help of quantitative technique of questionnaire research. The research problem for this research is to find out factors which are influencing the adoption of internet banking.

This chapter presents a detailed methodology that would be followed to arrive at the answer. The chapter starts with the research purpose and the approach that would be taken to satisfy the research objective. It also summarizes the research strategies and sampling methods. Finally it presents validity and reliability of measurements used in the research.

Research purpose

The purpose of this research is ...