Abstract

E-banking has witnessed a significant rise as far as banking transactions are concerned, particularly during a period of health crisis. This study is conducted to examine the factors influencing the usage of e-banking and whether this usage results into user satisfaction from the perspective of an emerging economy like Bangladesh. A total 165 usable responses had been taken from the survey participants. A modified version of Technology Acceptance Model (TAM) was employed as the theoretical foundation of the current study. Structural equation modeling has been applied to test the research hypotheses. The results of the study revealed that while both perceived ease of use and perceived usefulness had statistically significant relationships with the adoption of e-banking, it did not exhibit any significant relationship between awareness of e-banking with that adoption during the health crisis. Besides, the study demonstrated a key role of e-banking usage on the user satisfaction. The study has important managerial implications as far as awareness creation and improvement of technological infrastructure are concerned when it comes to e-banking. Several directions of future research have been put forward in this regard.

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