Accessibility of web site constitutes a key determinant of online

banking adoption by customers (Gupta and Kamilla 2014; Chau and Lai, 2003).
( Gupta, D. and Kamilla, U. (2014), Cyber banking in India: a cross sectional
analysis using
structural equation model, IUP Journal of Bank Management, Vol. 13 No. 2, pp.
47-63. )
http://search.proquest.com/openview/96b761ee393ae98832f5005e0f966e49/1?
pq-origsite=gscholar

Culnan (1985) while studying the dimensions of perceived accessibility to

information observed
that accessibility can be viewed as physical access to information source, the
interface
to the source and the ability to retrieve relevant information from the identified
source.
Culnan, M.J. (1985), The dimensions of perceived accessibility to information:
implications for
the delivery of information systems and services, Journal of the American
Society for
Information Science, Vol. 36 No. 5, pp. 302-308.
http://onlinelibrary.wiley.com/doi/10.1002/asi.4630360504/epdf?
r3_referer=wol&tracking_action=preview_click&show_checkout=1&purchase_ref
errer=onlinelibrary.wiley.com&purchase_site_license=LICENSE_DENIED

According to Karahanna and Straub (1999), accessibility is a multidimensional

criterion
including both physical terminal access and system usage ability. The study
emphasizes
that more the accessibility of an information system, lesser will be the effort
required
toward using it. In the case of online banking, global and round-the-clock
availability are
key attributes of accessibility.
Karahanna, E. and Straub, D.W. (1999), The psychological origins of perceived
usefulness and
ease of use, Information and Management, Vol. 35 No. 4, pp. 237-250.
https://www.researchgate.net/publication/223189242_The_psychological_origins_
of_perceived_usefulness_and_ease-of-use
Internet access is a bundle of complementary services which at a minimum
includes the services of a terminal and information transportation services to an
Internet gateway (Bauer, Berne and Maitland, 2002).
Bauer, J.M., Berne, M., and Maitland, C.F. (2002). Internet access in the European
Union and in the United States, Telematics and Informatics, 19 (2), pp. 201-271.
http://viskan.net/material/articles/2002_Bauer-Internet-acces-in-EU-vs-US.pdf

Peoples everyday activities have changed with the growth in the number of
people with Internet access and the increase in the range of transactions that
can be accomplished online. People can conduct a greater range of activities in
Internet cyberspace, including e-mailing, Web surfing, online shopping, and
online banking (Ren and Kwan, 2008).
Ren, F., and Kwan, Mei-Po. (2008). The impact of the Internet on human activity-
travel patterns: analysis of gender differences using multi-group structural
equation models, Journal of Transport Geography, 17 (6), pp. 440-450.
https://www.researchgate.net/publication/229350156_The_Impact_of_the_Interne
t_on_Human_Activity-
travel_Patterns_Analysis_of_Gender_Differences_using_Multi-
group_Structural_Equation_Models
Sathye (1999) illustrates the availability of access to the Internet is a prerequisite
for the adoption of Internet banking.
Sathye, M. (1999). Adoption of internet banking by Australian consumers: an
empirical investigation, The international Journal of Bank Marketing, 17 (7), pp.
324-334.
http://www.emeraldinsight.com/doi/pdfplus/10.1108/02652329910305689
Sohail and Shanmugham (2003) identify Internet access as one of the major
factors affecting the adoption of Internet banking services and note that the
more widespread the access to the Internet, the greater the possibility of the use
of Internet banking.
Sohail, M.S., and Shanmugham, B. (2003). E-banking and customer preferences
in Malaysia: An empirical investigation, Information Sciences, 150 (3-4), pp. 207-
217.
http://www.academia.edu/17784879/E-
BANKING_AND_CUSTOMER_PREFERENCES_IN_MALAYSIA_AN_EMPIRICAL_INVESTI
GATION

AWARENESS

Consumers level of awareness of internet banking influences the adoption of

internet banking.
The internet banking literature supports that individual factors like knowledge
(Sathye, 1999;
Polatoglu and Ekin, 2001) has an impact on consumers adoption of internet
banking.

Sathye, M. (1999). Adoption of internet banking by Australian consumers: an

empirical
investigation. International Journal of Bank Marketing , 17 (7), 324-334.

Polatoglu, V. N., & Ekin, S. (2001). An empirical investigation of the Turkish

consumers'
acceptance of internet banking services. International Journal of Bank Marketing ,
19 (4), 156-
65. Bank Marketing , 17 (7), 324-334.

Sathye (1999) highlighted that many consumers were simply unaware of internet
banking and its unique benefits
Sathye, M. (1999). Adoption of internet banking by Australian consumers: an
empirical
investigation. International Journal of Bank Marketing , 17 (7), 324-334.

Colgate et al (2003) stated that when consumers made decisions for different
alternatives in the market place, the awareness of the existing alternatives was a
determinant for consumers to stay with their current banking provider.
Colgate, M., Nguyen, V., & Lee, C. (2003). An analysis of why New Zealanders
remain with
their service providers. University of Auckland Business Review , 5 (1), 57-62.

Sathye (1999) found that the lack of awareness about electronic banking and its
benefits contribute to the non-adoption of electronic banking.
Sathye, M. (1999). Adoption of internet banking by Australian consumers: an
empirical
investigation. International Journal of Bank Marketing , 17 (7), 324-334.

Polatoglu and Ekin (2001) stated that the more knowledge and skills a consumer
possessed about electronic banking, the easier it was for the consumer to utilize
electronic banking. Therefore consumers who are more aware of internet banking
are more likely to perceive internet banking as more useful, easy to use and
more reliable, thereby influencing adoption of internet banking.
Polatoglu, V. N., & Ekin, S. (2001). An empirical investigation of the Turkish
consumers'
acceptance of internet banking services. International Journal of Bank Marketing ,
19 (4), 156-
65.