E-Banking- a Motivational Approach

Abstract

Majority of the banks are turning to self-service technologies to provide their customers with several channels to access bank's products and services. This paper is based on an empirical study to investigate the motivational factors encouraging the users to adopt ebanking services. The scope of the present study is limited to select urban areas of Northern India only. The survey data used in this research have been collected through a questionnaire administered to 383 e-banking sampled users. The twin objective of the paper is to study the impact of demographic factors on the use of e-banking services and to explore the motivational factors encouraging the users towards these services. The study brings out that the time saving and convenience in accessibility are the main motivational factors behind the use of different e-banking services. The results are discussed to bring out managerial implications along with suggestions for future research.