Purpose – The purpose of this paper is to provide an insight into the determinants of the customers’ attitude and behavioural intention to use Internet banking services, paying special attention to the role of perceived risk, trust, enjoyment, website design and social influence. Design/methodology/approach – A research model grounded on the technology acceptance model (TAM) reflecting the effects of trust, perceived risk, perceived enjoyment, perceived website design and social influence on TAM constructs is proposed. The structural equation modelling technique is used to analyse a sample of 697 individual Internet banking users in India through an online survey. Findings – The results of data analysis confirm some of the hypotheses drawn from the literature. Consistent with some of the other studies, perceived usefulness, perceived ease of use, trust and perceived enjoyment are found to be immediate direct determinants of customers’ attitude towards using Internet banking. Attitude, perceived risk, perceived enjoyment and trust determine the customers’ behavioural intentions to use Internet banking. Although the direct effect of perceived website design is significant only on perceived ease of use, its indirect effects are significant on perceived usefulness, attitude and behavioural intentions. Furthermore, perceived enjoyment exerts both direct and indirect effects on perceived usefulness but exerts only direct effect on perceived ease of use. Research limitations/implications – Generalizability of the research is a practical limitation in consumer research studies and the present study is not an exception to that. The current study focused only on some technological, behavioural and attitudinal factors, and many customer-specific factors and other psychographic and behavioural factors such as cost, perceived value, service quality and satisfaction, which can provide more significant insight into the adoption process, are not a part of the scope of the study. Practical implications – This research specifies the implications in three perspectives, viz., theoretical, methodological and managerial. Furthermore, this study provides the practical recommendations to enhance customer trust and guidelines to reduce perceived risk. The most significant implication for the banking sector is that apart from offering useful and user-friendly services, they need to build a trusting relationship with customers. Originality/value – This study extends existing body of Internet banking literature by incorporating trust and risk perceptions. The effects of website design and perceived enjoyment on Internet banking acceptance have been examined and were found to be significant in the Indian context. In addition, it enables us to contribute to the current literature on the emerging Indian Internet banking services (IBS) market, which is largely under-researched.

PurposeThe study attempts to explore the determinants of financial inclusion. Subsequently, it examines the effect of financial inclusion on financial well-being of marginalized street vendors in India.Design/methodology/approachThe demand-side analysis of measuring financial inclusion with a sample of 371 marginalized street vendors is adopted. Both exploratory and descriptive research designs are employed in this study. The primary data collection is done by administering the structured interview schedule by using a convenience sampling technique. Confirmatory factor analysis (CFA) and structural equation modeling (SEM) are performed to describe the latent constructs and their hypothetical relationships with adequate empirical evidence.FindingsOut of five dimensions of financial inclusion considered for the study, accessibility, availability, usage and affordability are found to be significant determinants of financial inclusion; however, the financial literacy dimension is found statistically insignificant. Further, the study results confirm that financial inclusion contributes substantially to the well-being of marginalized street vendors.Research limitations/implicationsThe outcome of the study will facilitate all the stakeholders including policymakers and financial institutions to enact policy guidelines to ensure financial well-being of the marginalized street vendors through financial inclusion initiatives.Originality/valueFinancial well-being through financial inclusion is possible even without the effect of financial literacy from the unorganized sector perspective specifically marglianized street vendors. Thus, it adds new dimension to the existing literature on demand side analysis of measuring financial inclusion.

This article investigates the determinants of young consumers’ intention to use Internet banking services in India. The current research developed a theoretical model grounded on technology acceptance model (TAM) by incorporating additional variable such as trust, perceived risk, social influence and self-efficacy. The study collected a total of 155 usable responses through convenience sampling from university students aged between 18 and 36 years. Correlation and multiple regression analysis was employed to determine the underlying relationship between dependent variable (behavioural intention) and independent variables. The results revealed that perceived usefulness (PU), ease of use, trust, self-efficacy and social influence have significant positive influence on young consumers’ intention to use Internet banking, whereas perceived risk exerted significant negative effect. Among all these factors, perceived risk has major significant effect on intention, followed by PU, perceived ease of use and trust. Hence, bank practitioners should focus on increasing usefulness of Internet banking system and devise trust building strategies that would reduce consumers’ perceived risk and attract them to use Internet banking.

Understanding the main factors of Internet banking adoption is important for both banks and users. This paper presents an extended technology adoption model (TAM) with special reference to trust, risk, self‐efficacy and social influence, aiming to examine the factors affecting Indian consumers intentions to adopt Internet banking services. A measuring instrument is developed from existing literature and is employed personally to gather data from post-graduate students of Pondicherry University. The survey resulted in useful responses which are further analysed by employing exploratory factor analysis and multiple regression. The results indicated that perceived usefulness, perceive ease of use, perceived enjoyment, perceived image, social influence and trust in Internet banking have significant positive effect on behavioural intention. Further, it is found that perceived risk exerts significant negative effect on consumers' intention to use Internet banking.

The main purpose of the present paper is to analyse the various definitions of cloud computing proposed by different researchers and, using content analysis methodology, and establish areas of “agreement” and to construct such a “general” definition of cloud computing in business perspective. The paper attempts to compare the definitions of cloud computing by academicians and industy experts. This paper is divided into three sections. In the first section, content analysis methodology used on cloud computing definitions is presented. The second section highlights the key words in 36 definitions of cloud computing and tabulates the definitions through a categorization of substantive terms. The last section discusses the results of research methodology followed by conclusion and limitations.