IDEAS home Printed from
MyIDEAS: Log in (now much improved!) to save this article

Diffusion of Internet Banking in India: An Empirical Study

Listed author(s):
  • Clement Sudhahar J.


    (School of Management, Karunya University, Coimbatore (T.N.), INDIA)

  • Karthikeyan S.

There are many models to predict factors that influence the adoption of a technology. Among them this study uses the Technology Acceptance Model (TAM). The TAM provides a precise set of antecedents that can explain the intention to adopt internet banking, the technology in this study. According to the Technology Acceptance Model (TAM), perceived ease of use and perceived usefulness constructs are believed to be fundamental in determining the acceptance and usage of various IT. However, these may not fully explain the user’s behavior towards a newly emerging IT such as internet banking. This study proposed to extend the Technology Acceptance Model (TAM) by incorporating ‘Consumer trust on internet banking’ as a new factor that reflects the user’s security and privacy concerns in the acceptance of internet banking and its influence on an individual’s intention to adopt internet banking. Based on a sample of 655 bank customers, the results strongly support the extended TAM in predicting the intention of users to adopt internet banking. It also demonstrates the significant of ‘Awareness’ and ‘Computer Self-efficacy’ on usage intentions through perceived ease of use, perceived usefulness and perceived security.

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL:
Download Restriction: no

Article provided by Advances in Management in its journal Advances In Management.

Volume (Year): 3 (2010)
Issue (Month): 11 (November)

in new window

Handle: RePEc:mgn:journl:v:3:y:2010:i:11:a:2
Contact details of provider: Web page:

No references listed on IDEAS
You can help add them by filling out this form.

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

When requesting a correction, please mention this item's handle: RePEc:mgn:journl:v:3:y:2010:i:11:a:2. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Shankar Gargh)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.