An Empirical Study on Influence of the Traditional Banking on the Online Banking Adoption Decision

Abstract

The purpose of this paper is to explore the impact of offline bankings service quality on
the usage of internet banking. To achieve this purpose, data was collected through structure
questionnaire and total 303 usable responses were considered for the study for analysis with the help
of SPSS software. From the analysis it was found out that offline bankings service quality influences
the perceived online service quality which in turn will affect the relative benefits of online banking
leading to intention to use and adoption of online banking. The results reveal that offline bankings
service quality is the base of adoption of online banking. If banks want to increase the adoption of
online banking they should provide good service quality which will enhance the adoption