Barriers to adopting internet banking: analysing the influence of information availability and consumer demographics
by Vikas Chauhan; Vipin Choudhary
International Journal of Financial Services Management (IJFSM), Vol. 9, No. 3, 2018

Abstract: The present research aims to analyse the barriers that impact consumers' intention to adopt internet banking with the influence of information availability. The study has also investigated the demographic effect on perceived barriers toward internet banking. The data were collected through a self-administered questionnaire from 305 non-users of internet banking in India. A two-step SEM approach, i.e. measurement model and structural model, was used for analysing the data. The finding shows the significant negative relationship between perceived barriers to innovation (usage, value, risk, image and tradition barriers) with intention to adopt internet banking. Availability of information (guiding and security information) was found to have a significant positive relationship with intention to use internet banking and significant negative relationship with perceived barriers. Demographic variables were also found to have significant effect on perceived barriers. The study provides a structural model for barriers to using internet banking.

Online publication date: Tue, 07-Aug-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 Financial Services Management (IJFSM):
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 subs@inderscience.com