Factors affecting Adoption of Internet Banking by Management Students in India

Surabhi Singh, Mohd Naved Khan


This article aims to probe the extent of difference in the satisfaction level of Management students in terms of factors used in adoption of Internet Banking services in India. Management students are the ones who are acquainted with the management skills and learnings. With advanced technology and sophistication, it becomes challenging for the banks to consider the use of technology to respond to their continuously changing requirements.

The customers of internet banking are gaining popularity in the world. There have been many studies on the usage of internet banking services. The management students are governed by many factors in adoption of internet banking. Most successful banks offering internet banking are able to serve only relatively small share of their customer base with IT channels. The web based services have features like ease of access, up-to-date content, layout, design, consistent themes, easy navigation, higher interactivity, access through multiple media, higher use of non-textual information, multiple languages and lower cost of transaction, trust and other variables like intention, beliefs, subjective norms, trust in the bank, attitude, perceived usefulness and perceived ease of use. This article studies and analyzes the factors influencing Management students' intention to use internet banking services.


internet banking, sophistication, skills, adoption

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