provides valuable insights for bank managers. The findings suggest that IB adoption is subject to frequency-based and outcome …Technology adoptions are not always rational. Adoption herding, the adoption that occurs because many others have made … the adoption, often occurs due to various reasons (Li, 2004). Traditional rational choice theories cannot accommodate …

adoption of internet as a banking delivery channel has no effect on the profitability of banks in terms of the ROA and the ROE … internet technology and banking adoption. …

investigation that reveals the growing, though still slight, presence of the internet within multichannel bank distribution in Spain …

by bank management to attract new customers and to satisfy the existing ones. Cornerstone of this paper is also the … provides insufficient evidence about the relationship among the quality of service, the overall satisfaction and the adoption …

concludes that internet banking provides many available opportunities to bank improvement such as easy and quick banking … services, cheap communication tools with customers, new banking products and services to bank customers, and effective control … about banking system errors. On the other hand, internet banking encounters many potential challenges in bank improvement …

leading private and public banks in India, such as ICICI Bank, HDFC Bank, State Bank of India and Punjab National Bank. The …