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Ajimon George, G.S. Gireesh Kumar, Eric Thomas Joseph


This research paper analyses the motivational factors influencing the adoption of Internet Banking (IB) in the state of Kerala and examines the influence of demographic variables on factors affecting adoption of IB. It is found that factors, viz., convenience, cost, security and customer support exert influence on IB adoption decision by customers. A cross analysis of these factors across different demographic variables revealed significant differences among respondents of different age groups,  profession, income, and level of computer knowledge. Thus, the variables relating to adoption of IB are different to different categories of customers. The findings of this study are of utmost prudence to banks to take appropriate measures to widen the use of IB among different categories of banking customers through a systematic analysis of these adoption variables.


E-banking, Electronic delivery channel, Internet banking, IB adoption, Tele banking, SSBT.

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