Do The Online Banking Services Affecting Adoption of E-Banking Products? Evaluating the Effects of Technological Acceptance Model on Online Banking Users

Abstract

Online banking is the most popular voluntary adopted payment tool in the urban part of India. After demonetization, these payment tools became more acceptable, useful, and easy to use. Various services related to online banking is the biggest challenges for the various banks to grab the users. Understanding the impact of various dimensions of service quality is the biggest challenge. This study aims to derive the effectiveness of antecedents of TAM [ Technology Acceptance Model] on online banking users. The antecedents TAM model was considered for formulating structured questionnaires, 509 responses of online consumers collected through the personal intercepts. The outcome of the study indicates that security is the most influencing factor for online banking services. While a majority of consumers have opinions of improvement in existing mobile banking applications.