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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
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