Factors influencing internet banking adoption during COVID-19: a comparative study among the selected public and private banks in Bangladesh

Imtiaz Masroor, Farzana Akther and Md. Noor Un Nabi

International Journal of Electronic Finance, 2025, vol. 14, issue 2, 139-157

Abstract: Though it is found that users are gradually shifting towards adopting internet banking, several factors create a strong barrier against it. This study is conducted to find out the factors that influence Bangladeshi bank users to adopt internet banking. There are seven factors taken into consideration and these were tested using non-parametric measures as the data collected using structured questionnaire from 150 respondents from six banks are found to be non-normal. This study found a statistically significant difference in all the seven factors among the six banks and between public and private banks taken in this study. This study provides a unique perspective on the factors affecting adoption of internet banking during COVID-19 pandemic. As the worldwide impact of this pandemic resulted in nationwide lockdown, people are induced to satisfy their banking needs online. This study provides a unique insight regarding the condition of online services provided by the banks in Bangladesh.

Keywords: internet banking adoption; emerging economies; Kruskal-Wallis H test; Mann-Whitney U test; Bangladeshi banks in COVID-19. (search for similar items in EconPapers)
Date: 2025
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