Title: Determinants of online banking adoption in India: an empirical investigation

Authors: Vikram Kumar Sharma; Amit Kumar

Addresses: Institute of Management Studies (IMS) Ghaziabad – B School, Lal Quan, Ghaziabad, Uttar Pradesh, India ' GL Bajaj Institute of Management and Research, PGDM Institute, Greater Noida, UP, 202306, India

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.

DOI: 10.1504/IJBIR.2025.144388

International Journal of Business Innovation and Research, 2025 Vol.36 No.2, pp.229 - 247

Received: 07 Jul 2021
Accepted: 30 Jan 2022
Published online: 11 Feb 2025 *

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