Determinants of intention to continue using internet banking: Indian context

  • 206 Views
  • 32 Downloads

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License

It is necessary to understand the customers’ perceptions of internet banking because it helps determining the direction and patterns of intention to continue using internet banking. This could also help bank policymakers to develop appropriate strategies to increase internet banking usage. The study aims to examine the determinants of user’s intention to continue using internet banking since there have been no systematic attempts to understand this aspect, especially in the Indian context. This research suggests and tests an extended model to predict the intention to continue using internet banking in India. The suggested study model was examined using survey data from 206 internet banking users. PLS-SEM was employed for data analysis. The findings imply that the most significant determinants of intention to continue using internet banking are service quality, trust, and user satisfaction. On the other hand, the study finds that intention to continue using internet banking is not impacted by system quality and information quality.

view full abstract hide full abstract
    • Figure 1. The proposed model
    • Figure 2. PLS algorithm results
    • Table 1. Demographic variables
    • Table 2. Factor loadings and cross-loadings
    • Table 3. Measurement model and multicollinearity examination
    • Table 4. Structural model results
    • Conceptualization
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah, Afrah Abdullah Ali Khamis
    • Data curation
      Hamood Mohd. Al-Hattami
    • Formal Analysis
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah
    • Methodology
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah
    • Project administration
      Hamood Mohd. Al-Hattami, Afrah Abdullah Ali Khamis
    • Software
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah, Afrah Abdullah Ali Khamis
    • Supervision
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah
    • Validation
      Hamood Mohd. Al-Hattami
    • Writing – original draft
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah, Afrah Abdullah Ali Khamis
    • Writing – review & editing
      Hamood Mohd. Al-Hattami, Abdulwahid Ahmed Hashed Abdullah
    • Funding acquisition
      Abdulwahid Ahmed Hashed Abdullah
    • Resources
      Abdulwahid Ahmed Hashed Abdullah, Afrah Abdullah Ali Khamis
    • Investigation
      Afrah Abdullah Ali Khamis
    • Visualization
      Afrah Abdullah Ali Khamis