Published Paper Details:

Electronic banking has experienced fiery growth and has altered traditional practices in banking. Now it has become synonym for wide variety of automated services of which one of the significant types of service is Internet banking. Various researchers have been organized to identify the factors affecting adoption of internet banking but the effectiveness of these factors may have reduced with time. So, it is indispensable to check the effectiveness of these factors. The objective of the study is to identify the various factors influencing the customers' adoption of internet banking in Punjab. Keeping in mind all the consideration given in various papers published internationally, a sample of more than 417 was found to be the most sufficient for the study. The study was conducted in Punjab state of the India. The data was collected from three districts viz. Amritsar, Jalandhar and Patiala. In the present study various standardized scale items were used. Among the different factors relative advantage, internet experience, trialibility, self-efficacy, government support and technical support were found significant predictors of internet banking adoption.