Factors Influencing on E-Banking Practices: Evidence from Sri Lanka

Anusiga Gunaratnam, Konalingam Kajenthiran, Umanakenan Ratnam, Achchuthan Sivapalan


The purpose of this paper is to explore the influencing factors of e-banking practices in Sri Lanka. A questionnaire with seven-point Likert scale is applied to 388 usable responses. The study was exploratory in nature and employed factor analysis to identify the important factors of e-banking practices. Results indicate that mainly four factors are significant with respect to the e-banking practices. Privacy & convenience, content & website layout, speed of delivery, and accessibility are the critical factors influencing the e-banking practices. In addition, factors extracted from the analysis accounted for 53.704% of the total variance. This study expected to provide a unique model in the realm of e-banking.

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DOI: https://doi.org/10.5296/jsr.v9i1.11989

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