Impact of Electronic Banking on Customers’ Perception: Evidence from Anuradhapura District

Abstract

Since the rapid advancements in technology, lifestyle and demographic of people, traditional branch banking is turning into electronic banking systems. Customers tend to have a high level of conceivable perception regarding online banking than the traditional banking systems. In this context, the study aims to determine the extent of customers’ perception of the electronic banking system in the Anuradhapura district, mainly in the town area. A structured questionnaire was distributed among 200 electronic banking operators of eight selected banks in the Anuradhapura district. The findings revealed that the customer’s perception towards electronic banking is high in the Anuradhapura district. Further, results of descriptive statistics indicated that ease of use, security, accessibility, convenience and usefulness also at a high level. Also, the regression findings confirm that there is a positive relationship between customers’ perception except convenience and each dimension related to electronic banking.