Internet Banking Adoption: A Study of Nepalese Customer’s Perspective

Abstract

This research project entitled “An Internet Banking Adoption: A study of Nepalese Customer Perspective” is a descriptive research study. The main objective of the study is to assess the awareness of Internet Banking among residents of Kathmandu valley. Furthermore, this study tries to examine the various factors affecting internet banking and its adoption.

For the study purpose, 120 responses was collected and were taken as sample. This study was based on convenience sampling method. The necessary data were collected basically from questionnaire distribution and was tabulated and interpreted meaningfully by processing through SPSS software. The statistical methods of Pearson correlation analysis was used to test the relationship between the variables and descriptive statistics like mean, frequency, standard deviation were also used to analyze the study results.

The basic objectives of this study were to understand the advantages and disadvantages of using Internet Banking so that customers can use Internet Banking facilities provided by Banks cautiously. The results from this study show the factors affecting adoption of using and not using Internet Banking in Nepal by which bankers can develop strategies to improve their shortcomings in their Internet Banking service and can transform non users to users.

The study found that the model as a whole was significant. Similarly, the study also found that the perceived usefulness and perceived risk both have impact on Internet Banking adoption in among the Nepalese bank customers. But there is no impact of perceived ease of use on Internet Banking adoption among the Nepalese bank customers.