Examining Factors Affecting Customers Adoption towards E-banking services: An Empirical Investigation in Manipur

"Purpose- E-banking has become a new norm in the banking sector. The main aim of the study is to examine factors affecting E-banking services adoption in Manipur. The proposed model for the study is developed based on Technology Accepted Model. Design/ Methodology/ Approach - A positivism philosophy using a cross-sectional research design employing a standardized questionnaire to examine the factors affecting E-banking adoption in Manipur. The Convenience sampling method is used for the study. The study received a total of 164 questionnaires. Out of which 145 completed questionnaires were collected. IBM- SPSS was used to analyze the data collected through a questionnaire. Factor analysis along with regression is used to test the hypotheses. A Reliability test is conducted to test the scale, and Principal Component Analysis is used to extract variance. Findings- The statistical analysis reveals that out of 25 factors, six factors have been extracted in which the Eigenvalue is more significant than 1.0. Perceived ease of use, Attitude, and Trust are found to be positively substantial towards adoption. Perceived security, Perceived Usefulness, Intention to use failed to influence the adoption of E-banking services in Manipur. Research Implication- There can be variations in results depending on the sample size. The analytical results may limit the generalization as per the researcher's knowledge. So, in-depth studies in similar focus areas add more favorable factors that the present study failed to bring out. Originality/ Value- This study draws the attention of Customers towards the adoption of e-banking services. It examines the factors influencing the customers' adoption of E-banking in Manipur.