A

LIVE

RESEARCH PROJECT

ON

“Factors Influencing the

Adoption of Internet Banking”
(With special reference to
Punjab National Bank.)
 Introduction
Internet Banking
Internet Banking means that banking services such as
services introduction, loan application, account
balance 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
 Objective

Study of the factors influencing the adoption

and use of internet for banking transactions
by individuals.
 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
 Data Analysis
It shows the percentage of responses toward Intentions to use internet
banking
34%
35%
30%
Strongly
30% Disagree
25% Disagree
Percentage

18%
20%
No Opinion
15%
10%
10% 8% Agree

5%
Strongly Agree
0%
SA A NO D SD
Intention
It shows the percentage of responses towards Attitude to use
internet banking

35% 32% 32%

Strongly
30%
Disagree
25% Disagree
Percentage

20%
14% No Opinion
15% 12%
10%
10% Agree

5% Strongly
Agree
0%
SA A NO D SD
Attitude
 It shows the percentage of responses towards Perceived
Behavioral Control to use internet banking

25%
25% 23% 22%
20% Strongly
20% Disagree
Disagree
Percentage

15%
10% No Opinion
10%
Agree
5%
Strongly
0% Agree
SA A NO D SD
Perceived Behavioral Control
Shows the percentage of responses towards Trust to use internet
banking

34%
35%

30% 25% Strongly

22% Disagree
25%
Percentage

Disagree
20%
No Opinion
15%
10% 9%
10% Agree
5%
Strongly Agree
0%
SA A NO D SD
Trust
 It shows the percentage of responses towards Perceived
Usefulness to use internet banking

24% 23%
25%
21%
Strongly
20% 17% Disagree
15% Disagree
Percentage

15%
No Opinion
10%
Agree
5%
Strongly
Agree
0%
SA A NO D SD
Perceived Usefulness
It shows the percentage of responses towards Perceived Ease of
Use to use internet banking

24%
25%
20% 20%
19% Strongly
20% 17% Disagree
Disagree
Percentage

15%
No Opinion
10%
Agree
5%
Strongly
Agree
0%
SA A NO D SD
Perceived Ease of Use
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.
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.

It shows the percentage shares of the factors influencing the customer’s
perception toward adoption of internet banking on the basis of 3-scales
i.e. Strongly Disagreed, Disagreed and Undecided which reflects the
negative perception of users.

Intention, Attitude,
10.97% 10.97%
Trust

Perceived Trust,
Usefulness, Perceived Ease of Use
24.69%
16.76%
Perceived Behavioral
control
Perceived Usefulness

Intention
Perceived
Behavioral Attitude
control, 17.37% Perceived Ease
of Use, 19.24%
 Findings
Result of the Analysis of Responses

• Thus the above graphs show that the factors which influence the
adoption 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%.
 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
 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 intentions

to adopt Internet banking services. As such, there is still room for
further investigation into the adoption of Internet banking services.

• This study has focused on users who are inexperienced or one-

time users of internet banking.
THANK YOU