Abstract:
The application of internet technologies to businesses for improvements in their
performances is not something new. The proliferation of, and rapid advances in'
technology-based systems, especially those related to the internet, are leading to
fundamental changes in how companies interact with customers' on which, banks have
been adopted one of the e-commerce tool known as electronic banking in order to
satisfy the several stakeholders. In such away, Sri Lankan banks also paying a great
attention implementing the online banking in order to provide the valuable service to
the customers. Thus, this study aims to investigate the factors affecting customers'
intension towards the acceptance of Internet banking in commercial banks Matara
District. The objective of this study is to identify the level, relationship and impact of
customer usage of Internet banking and adoption of Internet banking' This study was
based on the customer's perspectives and their experiences with e-banking service in
Matara District. Data were obtained from the sample 200 customers, and convenience
sampling was used. The descriptive statistics, correlation, and regression analysis were
used to analyze the data. The empirical findings of the study suggested that there is a
high level perceived usefulness, perceived ease of use, trust exist among the bank
customers regarding intension to use Internet banking and also there is a high level of
government support provided to the Internet banking. Similarly, there is a high level of
Internet banking adoption exist among the banks customers' Further' findings of the
study implied that variability in adoption of Internet banking is explained by four
independent variables (perceived usefulness, perceived ease of use, trust and
government support).
Moreover, finding of the study showed that there is no significant difference the state
and private banks in adoption of Internet banking. Findings of the study stated that there
is no significant difference in the adoption of e Internet banking among the
demographic factors of consumers (gender, age, occupation and years of transactions)'
The study contributes to existing theoretical and practical knowledge by providing
evidence about the relationships and the impact of the factors those affect the adoption
of Internet banking
