A Study of Factory Affecting Consumer Behaviour Of Semi Urban Customers Towards Usage Of ICT Based Electronic Banking Services With Special Reference To Gwalior Chambal Region

Abstract

1. To explore demographic factors that may affect e-banking usage. newline newline2. To identify individual and e-banking characteristics that may affect e-banking usage. newline3. To examine demographic factors affecting usage of e-banking services. newline newline4. To examine relationship among individual characteristics, e-banking characteristics and usage of e-banking services. newline5. To develop a model showing the relationship among individual characteristics, e- banking characteristics and usage of e-banking services. newline6. To study role of banks in spreading financial/digital literacy among consumers. newline newline newline2. Research Methodology newline newlineResearch Design: Exploratory and Descriptive research design. newlineSampling Method: Multi Stage sampling and Simple Random Sampling. newlineSample Size: 500 newlineData Type: Primary newlineData Collection Tool: Questionnaire newlineData Analysis Tools: Factor Analysis, T-test, ANOVA and MLR newline3. Result and Discussion newline3.1 Demographic Factors Affecting E-banking Usage newline newlineGender, Age group, Education Level, Occupation, E-Banking Usage Experience newline newline3.2 Individual and E-banking Characteristics Affecting E-banking Usage newline newline Perceived Usefulness, Perceived Ease of Use, Social Influence, Personal Innovativeness, Attachment Motivation, Perceived Trust, Perceived Convenience and Perceived Risk and Intention to Use. newline3.3 Examination of Demographic Factors newline newlineAll the demographic factors except the education level found to be affecting the E-Banking Usage of respondents. newline newline3.4 Examination of Relationship among Factors newlineAfter testing the hypotheses, the relationship among the given factors as found is depicted in the model given as below. newline newline3.5 Study on Role of Banks in spreading Financial and Digital literacy newline newlineThe government reaches out to the common people for spreading financial and digital literacy through the FLCCs. However banks need to work aggressively on enhancing the levels of digital literacy towards usage of banking services among people. The business correspondents in close coordination with FLCCs and branch staff could move forward towards achieving these objecti