(1) Hakeem and Sha (2015) Shows in their research it was analysed that the convenience and

responsiveness are majorly influenced factors of e-banking sectors.

(2) Khanna & Gupta (2015) in their analysis shown that the factors which highly depends on the
demographic environment these are Technology acceptability, safety, availability, user friendliness and
accessibility.

(3) Tavishi and Santosh Kumar (2013) Given an Empirical Study on Technology Adoption of internet
banking are Influences of Perceived usefulness, perceived ease of use and perceived risk.

(4) Ramani (2007) found out that the factors like balance enquiry, cost transaction, and other services. He
said that internet banking benefits the customers as well as bankers and also the bankers should utilize the
benefits of technology by alternative channels of services that available to convince dissatisfied
customers.

(5) Paul (2013) the prompt technological revolution and adoption of Electronic Banking by the customer
are said their study.

(6) Gita Radhakrishna & Leo Pointon (2007) measured the risks of internet banking and frauds in internet
banking, authenticity, accuracy and completeness. He said that plea bargaining, amendment of charges,
lack of evidences to be prosecuted under the penal code’s provisions for criminal breach of trust.

(7) Neena Brar & Jaspreet Singh (2012) in their analysis it was reveal that the consumer perception can be
changed and create positive relation by friendly usages, fewer charges, and proper security.

(8) Rahmath Safeena (2011) which factors influence the Consumer’s attitudes toward Internet banking
investigate the influence of Perceived Usefulness, Perceived Ease of use and Perceived Risk on use of
Internet Banking.

(9) According to Surat Singh (2013) Customer Attitude towards E-banking is affected by Technology and
Services, Technology and Security and Technology and Convenience, Promptness and Accuracy.

(10) Sandeep Kavtish (2008) He said that internet banking is relatively a new concept in the global
banking and it is passing through into growth phase of its development cycle. He analyzed the security
issues, technical issues and consumer adoption issue on his study.

(11) Ahmed Kaleem (2008) measured the risk of data loss, fraud, legal and security issues and the
operational reliability. He concluded that the attributes vary in relation to the personal characteristics of
respondents.

(12) A Sarangapani & T Mamatha (2008) analyzed the factors like EFT, ATM, EDI, ECS, SPNS & PC
banking etc. They also said that the success of the banking industry mainly depends on the services that
they provide to their customers. He concluded that to improve the e-banking is offering a better services
with value addition in a real challenge for the banks planning to implement e-banking.

(13) Vinayagamoorthy, A & Senthil Kumar, k (2009) they studied on online trading, bill payment and e-
shopping are mostly used by the customers. They finally shown that e-banking provides new growth
perspectives and internet business is a catalyst for new technologies and new business processes.
(14) Curran, M. James and Meuter, L. Matthew (2007) Said that a wide range of service are offered by
the electronic banking to its customers: without time restrictions customers are able to interact with their
banking accounts and make financial transactions from virtually anywhere.

(15) Singhal. D & Padhmanabhan.V (2008) in their study they identified the major contribution factors
that have analysed the use of internet banking is increasing because of its convenience, flexibility and any
time approach.

(16) Nyangosi et al. (2009) they have collected some data about customers' opinions regarding the
importance of e-banking and the adoption levels of different e-banking technologies in India and Kenya.
The study highlighted the trends of e-banking indicators in both countries. The overall result indicates that
customers in both countries have developed a positive attitude and they give much importance to the
emergence of e- banking.

(17) Haque .A., Ismail, A.Z.H & Daraz, A.H.(2009) in their study on :An empirical investigation on
Malaysian customers perception “they have analysed the secured transactions that have a significant
impact on customers attitude and the other three factors are regulatory framework, service quality and
sufficient mechanisms which influence the customers perception and attitudes.

(18) Dixit .N. &Datta S.K.(2010) in their research work “acceptance of E-banking among adult customers
:An empirical investigation in India “they have found that the adult customers who have the interest in
using online banking if their guided by the banks and awareness about internet banking will increases its
the usage among the customers .

(19) Selvam and Nanjappa (2011), in their study, examined customers’ awareness and satisfaction about
e-banking of ICICI bank on the basis of vital statistics of the E-banking users. The study revealed that
awareness level of income group above 10,000 per month was high as compared to other income groups.
It was shown that it also depend on the size of family. Sex is the crucial issues for the acceptance of
internet banking.