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Internet Banking Adoption: An Observation on public sector bank customers of urban area of Udupi district, Karnataka, India

Author Affiliations

  • 1Department of Commerce, Manipal University, Manipal -576104, Karnataka, INDIA
  • 2 Department of Commerce, M.G.M. College, Udupi-576102, Karnataka, INDIA

Res. J. Management Sci., Volume 4, Issue (5), Pages 6-14, May,6 (2015)


Now-a-days banks are adopting new technology and acknowledged as innovative banking. Internet banking is one of among several innovative banking and significantly influence banking and financial undertakings. Banking become easier after arrival of various electronic gadgets and internet facilities. There are many benefits, products and services of internet banking. It is surprising that number of bank customers like to do banking through traditional way. Banks are experimenting various ways to acquire probable number of customer. Still it not works as per expectation and they are not able to retain customers. Adoption of any technology is very much influenced by the perception about that technology among its users and has vital role in the success of that. To find bank customers perception and criteria to discriminate difference between both traditional and internet banking is important. This paper explore perception of customers about adoption of internet banking in urban area of Udupi district. Data collection was done through questionnaire. Content of the survey was associated to demographic query of participants and questions related to perception of internet banking. Observation of this study reflects that maximum number of the respondents were worried about security and feel that it is not reliable. Though they perceive that internet banking is suitable, less time consuming, easy and useful. The learning from study is worthwhile to explore perceived facts related to adoption of internet banking. It might support banks in the direction of develop effective and informative internet baking strategies to gain faith of customers and to create interest among customers for adoption of internet banking.


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