Determinants of online banking adoption in India: an empirical investigation

Vikram Kumar Sharma and Amit Kumar

International Journal of Business Innovation and Research, 2025, vol. 36, issue 2, 229-247

Abstract: In India, the e-commerce segment is still in its initial phase. With the government actively supporting the Digital India campaign, the banking sector poised to become more efficient and productive by adopting ICT enabled fintech technologies. The study aims to find the factors involved in developing the intention to use online banking services. Online survey was conducted and obtained a sample of 424 users across India. Multiple regression was applied and data was used to validate the model. In addition to its basic constructs, i.e., perceived ease of use, perceived usefulness, trust and government support, introduced a new variable 'digital literacy' in order to further develop the understanding of intention to use or accept Y. This study focuses on the adoption of Y. Generalisation of the model needs more constructs and the concept of longitudinal research approach can be applied.

Keywords: technology acceptance model; TAM; intention to use; adoption; online banking; Y; theory of reasoned action; TRA; TPB; multiple regression; India. (search for similar items in EconPapers)
Date: 2025
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