부산대학교 도서관

The extension of commerce and banking to cyberspace is an inevitable development in the era of information technology. Over past decade many fi nancial institution have gone retail banking over internet which resulted in to fostering the number of internet banking users. This study aims at identifying the factors that affect the adoption of internet banking from internet banking users' perspective. Four adoption dimensions, viz. Usefulness,Exposure, Trust and Ease-of-Use are identifi ed based on principal component method of factor analysis. Further the difference in the perception of internet banking users of public sector and private sector bank is examined. The results indicated that both public sector and private sector banking users have similar perception towards all dimensions of internet banking adoption.The empirical fi ndings not only prioritize different parameters of internet banking adoptionbut also provide guidelines to banks for focusing on important factors that affect perception of individual internet banking users. [ABSTRACT FROM AUTHOR]