Assessment of Internet Banking Adoption: An Empirical Analysis

Internet banking (IB) has become a new advancement for the banking consumers and its adoption has become a significant measure of success, which needs to be analyzed. Therefore this study investigates the influence of perceived benefit (PB), perceived impediment (PI), social influence and moderating effect of demographic factors like gender and age on IB adoption. Questionnaire survey is used for getting the data for empirical analysis. The result shows that PB and social influence have positive effect, whereas PIs have negative effect on the use of internet banking. The result also indicates that demographic factors such as gender and age have a moderating effect on the model. This study contributes to the emerging literature on internet banking technology adoption.