Main Article Content
Abstract
Internet banking has changed the way banking is done. It has been far more efficient and effective then it was decades before. Customers can now avail banking services at the convenience of their time and place. But the adoption rate has not been high as compared to other countries. Thus it becomes necessary to identify factors which influence adoption of internet banking. This study focuses on TAM and has extended it by using additional factors namely self efficacy and customer awareness. The results showed that all the four factors had positive significant influence on intention to use internet banking. Basic TAM variables Perceived ease of use, perceived usefulness positively affect intentions suggesting that if customers perceive internet banking as easy and beneficial, they will be encouraged to use internet banking. Self efficacy had the highest beta value and customer awareness significantly influenced intentions suggesting customers favorably seek help for transacting on internet banking and more awareness regarding benefits and usage of internet banking helps in more adoption.