Does technology readiness predict banking self service technologies usage in India?
by Aditi Naidu; Romi Sainy
International Journal of Electronic Banking (IJEBANK), Vol. 1, No. 2, 2018

Abstract: As smaller cities in India, tier II cities, become the focus of growth among service providers, the paper examines the level of readiness among customers of smaller cities in India to adopt self-service technologies (SSTs) in the banking sector. Unlike most previous studies, which have focused on larger, metropolitan cities of the country and have used the technology adoption model (TAM) and other factors to investigate uptake of SSTs, this study focuses on the technology readiness index (TRI) to measure the extent to which the construct, 'technology readiness' influences adoption of three major banking SSTs in a tier II city of India-Indore, exploring further how specific dimensions that constitute the technology readiness construct shape adoption of banking SSTs. Examining the applicability of the TRI tool to predict banking SST usage in a tier II city of India, the study found TRI does not conclusively predict banking SST usage in the context of India.

Online publication date: Thu, 04-Oct-2018

The full text of this article is only available to individual subscribers or to users at subscribing institutions.

Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.

Pay per view:
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.

Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Electronic Banking (IJEBANK):
Login with your Inderscience username and password:

    Username:        Password:         

Forgotten your password?

Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.

If you still need assistance, please email