Internet Banking Espousal in Bangladesh: A Probing Study

Engineering International, Volume 1, No 2 (2013)

10 Pages Posted: 22 Feb 2015

See all articles by Alim Al Ayub Ahmed

Alim Al Ayub Ahmed

Jiujiang University

Md. Nur-E-Alam Siddique

ASA University Bangladesh (ASAUB); Universiti Kebangsaan Malaysia (UKM)

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Date Written: March 5, 2013


Internet banking (IB) is a distinctive banking improvement with the intention of potentially can convert the monetary services scenery in budding nations such as Bangladesh. Nevertheless, due to the connected near to the ground acceptance rate, its full potential in deepening and extending banking services is yet to be realised, as a decisive group of customers is yet to be accessed. As a result, a improved thoughtful of why some banking customers agree to IB and others do not, along side a recognition of the factors influencing this choice is expected to be of significant realistic as well as intellectual value. For this ground, the rationale of this learning was to explore the factors influencing the approval and practice patterns of IB among Bangladeshi customers. Using Rogers' IDT structure, data was composed by means of a self-completion questionnaire, in which some 249 banking clients participated. Findings propose perceptions of risk, lack of adequate support and training from banking institutions are some of the causes of non-usage. The implications of these conclusions are that banks possibly will centre extra concentration on cross-selling IB mutually with other financial commodities, as IB is hardly ever used in remoteness. Installing individual computers surrounded by branches in combination with campaigns and demonstrations might also get better rates of approval.

Keywords: Internet banking, isolated banking, retail economic services, Bangladesh

Suggested Citation

Ahmed, Alim Al Ayub and Siddique, Md. Nur-E-Alam, Internet Banking Espousal in Bangladesh: A Probing Study (March 5, 2013). Engineering International, Volume 1, No 2 (2013), Available at SSRN:

Alim Al Ayub Ahmed

Jiujiang University ( email )

Quinjin Donglu
Jiujiang, 332005

Md. Nur-E-Alam Siddique (Contact Author)

ASA University Bangladesh (ASAUB) ( email )

008801712441243 (Phone)

Universiti Kebangsaan Malaysia (UKM) ( email )

Bangi, Selangor 43600

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