• Dr. VIKAS SINGLA

The rapid growth of the Internet has presented a new host of opportunities as well as threats to business. Banks find that they have to constantly innovate and update to retain their demanding and discerning customers and to provide convenient, reliable, and expedient services. With the development of asynchronous technologies and secured electronic transaction technologies, however, more banks have come forward to use Internet banking both as a transactional as well as an informational medium. In light of internet becoming increasingly important as a banking delivery channel over physical banking for both banks and customers, this study has made an attempt to find which attributes a user considers significant while evaluating a banking service involving both delivery channels. Also, the factors which would result in adoption of internet banking and their relation with consumer online banking behavior were studied. The results of the study indicated that increased trust, usefulness, convenience and ease-of-use are primary factors that influence individuals’ usage of online banking over physical banking. The relationship between two categories of factors revealed that users’ perception of increase status and satisfactory fulfillment of needs significantly influence customers’ internet adoption behavior.

perceived trust, perceived convenience, perceived usefulness, perceived ease-of-use, online banking adoption attributes

"A COMPARATIVE STUDY OF ONLINE AND PHYSICAL BANKING", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 12, page no.106-112, December-2018, Available :http://www.jetir.org/papers/JETIR1812E41.pdf

"A COMPARATIVE STUDY OF ONLINE AND PHYSICAL BANKING", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 12, page no. pp106-112, December-2018, Available at : http://www.jetir.org/papers/JETIR1812E41.pdf