Adoption of Internet Banking: A Study on Customer Behavior

Tesco

Table of Contents
Abstract of the research...................................................................................................................3
Introduction......................................................................................................................................3
The physical and social climate in this setting requires..............................................................4
Discussion and conclusion...............................................................................................................5
REFERENCES................................................................................................................................7

Abstract of the research
The introduction of internet banking is one field which has gained interest from scholars. Current
experiments have primarily used models of technological adoption and relational hypotheses that
do not allow for individual behavioural changes. Using the social cognitive hypothesis, which is
responsible for making changes in the behaviour of humans, regarding adoption of the internet
banking system that is what will be their reaction and would they able to accept it or not. The
research selected the sample by an intercept approach using standardised questionnaires from
bank customers in Ghana. In analysing the results, a two-stage method of confirmatory factor
analysis and structural equation modelling was used. The results reveal that the social
characteristics, loyalty, its impact on the lifestyle of people and the online methods to establish
interaction with its potential customers that is with the help of website, etc has a major positive
influence on consumers regarding internet banking.
Introduction
Multiple academic scholars have strong influence and have formulated various reasons for the
adoption of Internet banking, and the technology acceptance paradigm (TAM) and the invention
diffusion hypothesis (IDT) are among the most widely recognised methods, according to
Giovanis, Binioris, and Polychronopoulos (2012). For different motives, though, these
hypotheses have been questioned.
TAM is too simple and does not thoroughly clarify the comprehension of people. The decision to
implement a technology that does not take into account behavioural.
The primary motive behind this analysis is to understand the human behaviour, nature and
preferences in order to identify their perception regarding adoption and use of internet banking.
The theory of social has been used in this study (Bandura, 1989) should explain and account for
the evolving attitudes of consumers towards technology and its acceptance. In current scenario,
many organisations have taken steps in response to dynamic market climate by carrying business
operations through the use of online platform or through electronic business. As part of their
plans for their company. The banking industry is one sector which has seen technical progress
from both end user and corporate viewpoints. Information Technology (IT) has allowed the
industry to provide individualised services while enhancing the delivery of services. Likewise, IT
has led to creativity and Improved market efficiency. Carrying banking activities with the use of