IDEAS home Printed from
   My bibliography  Save this article

Diffusion of Internet Banking in India: An Empirical Study


  • 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.

Suggested Citation

  • Clement Sudhahar J. & Karthikeyan S., 2010. "Diffusion of Internet Banking in India: An Empirical Study," Advances In Management, Advances in Management, vol. 3(11), November.
  • Handle: RePEc:mgn:journl:v:3:y:2010:i:11:a:2

    Download full text from publisher

    File URL:
    Download Restriction: no

    More about this item


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. 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: . General contact details of provider: .

    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.

    We have no bibliographic references for this item. You can help adding them by using 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 RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Shankar Gargh (email available below). General contact details of provider: .

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

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.