“…Some of such characteristics have been identified as determinants of IB-adoption propensities, including customers' level of involvement with the internet and other banking technologies (see Lassar et al, 2005;Floh and Treiblmaier, 2006;Maenpaa et al, 2008;Polasik and Wisniewski, 2009). Others include risk perception and level of risk acceptance (Chung and Paynter, 2002;Berger and Gensler, 2007;Srivatsa and Srinivasan, 2007;Aldas-Manzano et al, 2009), variety seeking behaviour (Magi, 2003;Srivatsa and Srinivasan, 2007), desire to control service delivery (Ramsay and Smith, 1999;Braun et al, 2001;Henry, 2005), and willingness/ reluctance to accept changes in service delivery (Suganthi et al, 2001;Sohail and Shanmugham, 2003). Srivatsa and Srinivasan (2007) also conceptualised changereluctance as "inertia for change" and found that it was a major influencer of IB-channel choices in India.…”