Assessing the Impact of Factors Affecting the Adoption of Online Banking Services among University Students

With the advancement of information technology in India, banks are adopting online systems in providing its services to its account holders. This study has been done to explore the key factors which affect the acceptance of online banking services amongst the young generation specifically the students in the age group of 20 to 30 years studying in Central University situated in Uttar Pradesh state of India. This study has been carried out in the light of technology acceptance model (TAM) along with security & privacy and quality of internet connection. The sample size of 318 was collected using multi-stage sampling procedure through survey method. Regression analysis was employed to study the impact of the factors, using SPSS 26.0. Results revealed that the factors like PU, PEOU, SP and QIC were significant and support the previous studies. PU has more effect in the acceptance of online banking system among the students in India.