1. Academy of Indian Marketing International Conference - 2010 “Internet Banking and Consumer Behavior: Revisiting the Technology Acceptance Model” By AnkitKesharwani, IBS Hyderabad Shailendra S. Bisht, IBS Hyderabad

3. Virtual banking: Four forms

4. ATM, Phone banking, Internet banking, Mobile banking

5. Opportunities

6. Financial benefits

7. Non-financial benefits

8. Challenges

9. Resistance to change

11. Technology Acceptance Model (TAM) Perceived usefulness Technology Characteristics Attitude towards use of system Behavioral Intention Perceived ease of use Source: Davis (1986, 1989)

13. Comparisons (Davis et al. 1989; Mathieson 1991; Taylor and Todd 1995; Venkatesh et al. 2003; etc.)

20. Structural Model

21. Discussion The indirect effect of PEOU on BI was 0.453 (= 0.761*0.595). The total effect of SI on BI was 0.276 (= 0.169 + 0.128*0.595 + 0.173*181). WB has total effect of 0.333 (= 0.125*0.181 + 0.685*0.761*595) on BI. Result shows that WB has a greater influence on PEOU (H10: β=0.685, p<0.001) as compared to PR (H9: β=0.125, p<0.05).

22. Conclusion Integrate the fragmented theories and research on perceived risk, trust, website design and individual acceptance of technology acceptance and usage; Faced by skepticism and uncertainty, bank institutions need to reduce the trust gap to minimum possible in order to position e-banking as a viable medium of delivering banking service; The inclusion of website design would make contributions by enriching the extant literature and future research can provide a detailed investigation of the effects of specific feature of a website on internet banking adoption.

23. Thank You……

24. Beliefs about behavior Attitude Toward The Behavior Bi Evaluations of Behavioral Outcomes Ai αBi*Ei Ei Behavioral Intention Actual Behavior Normative Beliefs BIiα Ai*SNi ABi ≈ BIi Subjective Norms NBi Motivation to comply Source: Theory of Reasoned Action (Fishbein and Ajzen, 1975) SNiαBi*MTCi MTCi 16