• JITENDRA CHARAN
• DR. AMIT SHARMA

Banking industry provides both the models to its consumer’s i.e offline banking and online banking. Both the models are preferred by consumers, but choice of adopting either of models depend on specific perceived motives of individual. This study focuses on evaluating what drives individual’s to prefer online or offline model. The survey of 187 respondents was conducted using structured questionnaire to identify the factors that motivate individual to use online banking in India. Questionnaire comprises of two parts demographic factors (Age, Gender, Income, Education Level, and Profession) and motives (Perceived Usefulness, Perceived Ease of Use, Convenience, Perceived Control, Transactional Privacy & Trust). Results reveal that age, income, education level and profession influence the adoption of online or offline banking in Udaipur, whereas acceptability on the basis of gender was found to be neutral. Hypothesis for motives of online banking users in Udaipur were rejected, which indicate that perceived usefulness, perceived ease of use, convenience, perceived control and transactional privacy & trust influence the adoption rate.

Online Banking, E-commerce, Online Motives, Offline Motives, Online Banking Motives etc.

"A Comparative Study on Motives of Online and Offline Banking Consumers: A Case Study of Udaipur City", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.4, Issue 8, page no.208-212, August-2017, Available :http://www.jetir.org/papers/JETIR1708038.pdf

"A Comparative Study on Motives of Online and Offline Banking Consumers: A Case Study of Udaipur City", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.4, Issue 8, page no. pp208-212, August-2017, Available at : http://www.jetir.org/papers/JETIR1708038.pdf