Abstract:
According to traditional banking, in order to carry out banking transactions customers
are supposed to undergo time wasting, tedious process by visiting branches.
Therefore with the technological developments in the country the banks are
introducing different kind of information and technology driven banking services
such as ATM services, online banking, Mobile banking, telephone banking and
internet payment gateway to their customers.
This research investigates awareness and the factors associated with the customer
acceptance of information technology driven banking services (ITDBS) in Sri Lanka.
Customer awareness and acceptance are identified as the dependent variable and
factors associated with the customer awareness and acceptance is identified
independent variable variables. After an extensive survey of the existing literature
and referring to TAM model, perceived usefulness, perceived ease of use, perceived
trust and perceived security are mainly tested under independent variables. Data will
collect through a sample of 300 local banks’ customers using primary data collections
methods such as questionnaires. In order to test the hypothesis built using variables,
regression analysis and Pearson correlation analysis of SPSS software package is
used. The result reveals that ATM services and internet banking and SMS banking
are most popular among banking customers while other services are not much popular
among them. Further it reveals that perceived usefulness and perceived ease of use
are mainly affected to adoption of information technology driven banking services
while perceived trust and perceived security affect both negatively and positively for
adaption and non-adaption of some services
