Title: The evolution of e-banking: a study of Indian and Kenyan technology awareness

Authors: Richard Nyangosi, J.S. Arora, Sumanjeet Singh

Addresses: Department of Finance and Accounts, Roorkee Adventist College, Roorkee, India. ' PG Department of Commerce and Business Administration, Khalsa College, Amritsar, India. ' Department of Commerce, Ramjas College, University of Delhi, India

Abstract: Banking through electronic channels has gained increasing popularity in recent years. This system, popularly known as |e-banking|, provides alternatives for faster delivery of banking services to a wide range of customers. This study aims to collect customers| opinions regarding the importance of e-banking and the adoption levels of various e-banking technologies in India and Kenya. The study also highlights the trends of e-banking indicators in India and Kenya. Further, it segregates the data collected into an Indian and a Kenyan customer basis, to identify differences in their attitudes towards the emergence of e-banking. The overall result indicates that customers in both countries have developed positive attitudes and they attach much importance to the emergence of e-banking.

Keywords: electronic banking; e-banking; electronic finance; e-finance; technology awareness; banking services; customer attitudes; India; Kenya; developing countries.

DOI: 10.1504/IJEF.2009.026357

International Journal of Electronic Finance, 2009 Vol.3 No.2, pp.149 - 165

Published online: 07 Jun 2009 *

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