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A

LIVE

RESEARCH PROJECT

ON

Factors Influencing the

Adoption of InternetBanking(With special reference toPunjab National Bank.)

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Introduction

Internet BankingInternet Banking means that banking services such as

services introduction, loan application, accountbalance inquiry, fund transfer and so forth are provided

by a bank through the Internet.

PNB Bank

Current Status of the Bank Precautions suggested by PNB for Internet Banking

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Objective

Study of the factors influencing the adoption

and use of internet for banking transactionsby individuals.

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Research Methodology

Research Design -Descriptive Research

Research Strategy -Survey

Sampling Technique -Convenience Sampling

Data Collection Method -Primary and Secondary Data

Source of Data -Questionnaire

Research Area -kota and Udaipur city

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Data Analysis

30%

34%

18%

10%8%

0%

5%

10%

15%

20%

25%

30%

35%

Percenta

SA A NO D SDIntention

Strongly

Disagree

Disagree

No Opinion

Agree

Strongly Agree

It shows the percentage of responses toward Intentions to use internet

banking

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32% 32%

12%14%

10%

0%

5%

10%

15%

20%

25%

30%

35%

Percentag

SA A NO D SD

Attitude

Strongly

Disagree

Disagree

No Opinion

Agree

Strongly

Agree

It shows the percentage of responses towards Attitude to use

internet banking

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It shows the percentage of responses towards Perceived

Behavioral Controlto use internet banking

23%

20%

25%

22%

10%

0%

5%

10%

15%

20%

25%

Percentag

SA A NO D SD

Perceived Behavioral Control

Strongly

Disagree

Disagree

No Opinion

Agree

Strongly

Agree

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Shows the percentage of responses towards Trust to use internetbanking

10% 9%

22%

25%

34%

0%

5%

10%

15%

20%

25%

30%

35%

Percentag

SA A NO D SD

Trust

Strongly

Disagree

Disagree

No Opinion

Agree

Strongly Agree

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It shows the percentage of responses towards Perceived

Usefulness to use internet banking

21%

24% 23%

17%15%

0%

5%

10%

15%

20%

25%

Percentag

SA A NO D SD

Perceived Usefulness

Strongly

Disagree

Disagree

No Opinion

Agree

Strongly

Agree

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It shows the percentage of responses towards Perceived Ease ofUse to use internet banking

17%

20%19%

20%

24%

0%

5%

10%

15%

20%

25%

Percentag

SA A NO D SD

Perceived Ease of Use

Strongly

Disagree

Disagree

No Opinion

Agree

Strongly

Agree

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Continued.

For analyzing the factors which influence the adoption of

internet banking by the users the percentages shown by

the 3-scales i.e. strongly disagree, disagree and no

opinion for each factor (as shown in graph 9, 10 and

11) , which reflects the negative perception of users, is

aggregated and there percentage to the total is

calculated in the next slide.

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The result in the last column of the above Table shows the percentage of

factors which influences the adoption of internet banking by the users.

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It shows the percentage shares of the factors influencing the customers

perception toward adoption of internet banking on the basis of 3-scales

i.e. Strongly Disagreed, Disagreed and Undecided which reflects thenegative perception of users.

Trust,24.69%

Intention,10.97%

Perceived Ease

of Use, 19.24%

PerceivedBehavioral

control, 17.37%

PerceivedUsefulness,

16.76%

Attitude,

10.97%

Trust

Perceived Ease of Use

Perceived Behavioral

control

Perceived Usefulness

Intention

Attitude

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Findings

Result of the Analysis of Responses

Thus the above graphs show that the factors which influence theadoption of internet banking from the Atmost to Atleast are as follows:

Trust influences the most with 24.69% share. Perceived Ease of Use with 19.24%. Perceived Behavioral control with17.37%. Perceived Usefulness with 16.76%. Intention with10.97%. Attitude with 10.97%.

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Recommendations

Build customers recognition of internet banking Attract customers to the web site

Attract customers by ease of access

Build customers confidence

Increase service value by collaboration

Be proactive

Target right customers

Other strategies

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Limitations

Mostly Study was confined to kota city only.

Non response by some of the respondents.

Time constraint.

This study was conducted to find the factors influencing intentionsto adopt Internet banking services. As such, there is still room forfurther investigation into the adoption of Internet banking services.

This study has focused on users who are inexperienced or one-time users of internet banking.

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THANK YOU