 Determinants of Young Consumers’ Intention to Use Internet Banking Services in IndiaIrfan Bashir and C. Madhavaiah Vision, 2014, vol. 18, issue 3, 153-163 Abstract: This article investigates the determinants of young consumers’ intention to use Internet banking services in India. The current research developed a theoretical model grounded on technology acceptance model (TAM) by incorporating additional variable such as trust, perceived risk, social influence and self-efficacy. The study collected a total of 155 usable responses through convenience sampling from university students aged between 18 and 36 years. Correlation and multiple regression analysis was employed to determine the underlying relationship between dependent variable (behavioural intention) and independent variables. The results revealed that perceived usefulness (PU), ease of use, trust, self-efficacy and social influence have significant positive influence on young consumers’ intention to use Internet banking, whereas perceived risk exerted significant negative effect. Among all these factors, perceived risk has major significant effect on intention, followed by PU, perceived ease of use and trust. Hence, bank practitioners should focus on increasing usefulness of Internet banking system and devise trust building strategies that would reduce consumers’ perceived risk and attract them to use Internet banking. Keywords: Acceptance/Adoption; Internet Banking; Behavioural Intentions; Perceived Risk; Trust; Social Influence; Self-efficacy (search for similar items in EconPapers) Downloads: (external link) Related works: Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text Persistent link: https://EconPapers.repec.org/RePEc:sae:vision:v:18:y:2014:i:3:p:153-163 Access Statistics for this article More articles in Vision |
Is your work missing from RePEc? Here is how to contribute.
Questions or problems? Check the EconPapers FAQ or send mail to .
EconPapers is hosted by the
School of Business at Örebro University.