Version 1
: Received: 22 April 2023 / Approved: 23 April 2023 / Online: 23 April 2023 (07:36:13 CEST)
How to cite:
Malhotra, N.; Baag, P.K. Factors Impacting the Adoption of Online Banking among Self Help Groups in India. Preprints2023, 2023040783. https://doi.org/10.20944/preprints202304.0783.v1
Malhotra, N.; Baag, P.K. Factors Impacting the Adoption of Online Banking among Self Help Groups in India. Preprints 2023, 2023040783. https://doi.org/10.20944/preprints202304.0783.v1
Malhotra, N.; Baag, P.K. Factors Impacting the Adoption of Online Banking among Self Help Groups in India. Preprints2023, 2023040783. https://doi.org/10.20944/preprints202304.0783.v1
APA Style
Malhotra, N., & Baag, P.K. (2023). Factors Impacting the Adoption of Online Banking among Self Help Groups in India. Preprints. https://doi.org/10.20944/preprints202304.0783.v1
Chicago/Turabian Style
Malhotra, N. and Pankaj Kumar Baag. 2023 "Factors Impacting the Adoption of Online Banking among Self Help Groups in India" Preprints. https://doi.org/10.20944/preprints202304.0783.v1
Abstract
This research study aims to explore how during COVID-19, the adoption of online banking is impacted by various factors such as perceived usefulness, perceived ease of use, perceived security, and trust. The data were collected using the primary questionnaire with 98 respondents. The study investigates the direct effect using the PLS-SEM method, and the indirect effects are analyzed using mediation analysis. The study indicates that perceived security is an important factor that impacts the adoption of online banking by self-help groups in India. Trust in online banking without allaying the fears of banking online does not lead to the adoption of technology. Perceived ease of use and ease of usage directly impact the adoption of online banking by the members of self-help groups in India. The study is the first-ever study to measure the indirect impact of trust on the intention to use online banking by the members of self-help groups in India This study has far-reaching implications for policymakers and banks. To increase the adoption of online banking, it is important to allay the fears of security among the members of self-help groups in India.
Keywords
Online banking; Digital security; Technology implementation
Subject
Business, Economics and Management, Business and Management
Copyright:
This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
