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A Study on the Effect of Perceived Usefulness, Social Value and Monetary Value on Intention to Adopt Financial Services

International Journal of Banking, Risk and Insurance

Volume 6 Issue 2

Published: 2018
Author(s) Name: Gunjan Sharma, Tarika Singh, Suvigya Awasthi | Author(s) Affiliation: Assistant Professor, Institute of Business Management, GLA University, Mathura, Uttar Pradesh, India
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Abstract

The Indian economy is being at its rebounding phase and growing with an average rate of 6-7%. The financial sector in Indian economy is mostly dominated by banks. The banks play a vital role in the economic development of a country. This research intends to suggest a conceptual framework that will investigate the effect of perceived usefulness, perceived social value, and perceived monetary value on the intention to adopt financial services. In order to test this impact, regression analysis has been applied. Primarily, this study aims to explore various dimension of financial services of banks and exploring whether the customers are ready to adopt these financial services. The results reflect that perceived usefulness, social value, and monetary value have a positive impact on intention to adopt financial services. Moreover, further scope and limitations are being discussed.

Keywords: Banks, Perceived Ease of Use, Perceived Monetary Value, Perceived Social Value, Regression

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