Download This PaperBanking Smart: Factors Affecting Intentions to Use
Kansal, P. (2015). Banking Smart: Factors Affecting Intentions to Use. In A. K. Vashisht, G. Suri & R. Kaur (Eds.), Innovation Management Addressing Gaps in Theoretical and Empirical Interpretations (pp. 114-122). New Delhi: Excel India Publishers
9 Pages Posted: 27 Feb 2015
Date Written: February 27, 2015
Abstract
Indian banking sector is one of the fastest growing sectors. The banks in order to realize their true potential and overcome the bottlenecks posed by inseparability are trying to introduce products based on innovative technologies: Banking Smart. These help banks cater to “Customerization” while standardizing the back office operations to reap economies of scale. However, true potential of these new an innovative service is realized only when they are accepted and used by the customers. This paper is an attempt to understand factors which influence intention to use technologically innovative products. A survey research was conducted among the banking customers across four tier 2 cities in India. The findings show that major factors which influence consumer intention to use technologically innovative products are technology discomfort and perceived self efficacy.
Keywords: Innovative Services, Banking Sector, Technology Acceptance Model, Self Service Banking
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