Abstract:
Internet Banking is the delivery of banking products and services directly to
the customer through the Internet. With the realization of the prospective benefits and
capability of internet banking, all the banks all over the world quickly adopted the
innovative way of delivering banking services to customers. Despite the efforts to
promote internet banking in Sri Lanka, the adoption rate was low. This study was
undertaken to identify the factors that influence the decision of customers to adopt
internet banking in Sri Lanka. A quantitative survey conducted among internet banking
customers revealed that factors such as perceived usefulness, perceived ease of use,
perceived security and awareness are significant and influence the adoption decision of
customers. The study has highlighted the most influencing factors that can be
considered by bankers while making internet banking promotions.
