EFFECT OF ICT ADOPTION ON COMPETITIVE PERFORMANCE OF COMMERCIAL BANKS IN NEPAL

Abstract

The majority of the commercial banks in Nepal are attempting to use e-banking to enhance activities and reduce costs. However, they are offering these services even though customers are not familiar with them. Therefore, it is crucial to understand how customers' perceive and intend to use e-banking so that, in the future, both the bank management and the customers can benefit from avoiding cash transactions and receiving better services from the bank. In Nepal, there are numerous banks that offer a variety of ICT services, including ATMs, internet banking, mobile banking, and others, but the public is not yet ready to use them. Even if they have access to internet banking and an ATM card, they are still quite hesitant to use these features. Instead, individuals are still driven to use conventional retail banking through simple check and cash transactions.