Barriers to adopting internet banking: analysing the influence of information availability and consumer demographics

Vikas Chauhan and Vipin Choudhary

International Journal of Financial Services Management, 2018, vol. 9, issue 3, 207-225

Abstract: The present research aims to analyse the barriers that impact consumers' intention to adopt internet banking with the influence of information availability. The study has also investigated the demographic effect on perceived barriers toward internet banking. The data were collected through a self-administered questionnaire from 305 non-users of internet banking in India. A two-step SEM approach, i.e. measurement model and structural model, was used for analysing the data. The finding shows the significant negative relationship between perceived barriers to innovation (usage, value, risk, image and tradition barriers) with intention to adopt internet banking. Availability of information (guiding and security information) was found to have a significant positive relationship with intention to use internet banking and significant negative relationship with perceived barriers. Demographic variables were also found to have significant effect on perceived barriers. The study provides a structural model for barriers to using internet banking.

Keywords: internet banking; e-banking; psychological barriers; functional barriers; information availability. (search for similar items in EconPapers)
Date: 2018
References: Add references at CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
http://www.inderscience.com/link.php?id=93864 (text/html)
Access to full text is restricted to subscribers.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ids:ijfsmg:v:9:y:2018:i:3:p:207-225

Access Statistics for this article

More articles in International Journal of Financial Services Management from Inderscience Enterprises Ltd
Bibliographic data for series maintained by Sarah Parker ().