The factors influencing on adoption and usage of internet banking an empirical study of Small and Medium Enterprises (SME) in Jaffna district Gnanabasharan Kandasamy*, Reginold Soosaipillai Edward**, Sivanenthira Sivapragasam*** *Deputy Registrar/Exam, University of Jaffna, Sri Lanka **Deputy Registrar/Admissions, University of Jaffna, Sri Lanka ***MBA Programme, University of Jaffna, Sri Lanka. Email id: Nesan87@gmail.com Online published on 15 December, 2018. Abstract Small Medium Enterprises are important key player of the economy of a country. They play a vital role in the growth of the society and the investors as well as the overall economy of the country. Nowadays, the Business world has changing rapidly according to the technology changes. The one of the most famous trend is most of small medium enterprises are moving to internet banking. Because the new technologies introducing new products and services to the market. Specially the service market is updated day by day including financial institutions such as banks, Auto mobile service institutions and etc. Bank and Small medium enterprises are always blending with each other. All SME's financial transactions are handling by bank. Therefore new services always interact with the customers of bank. Internet banking allows customers to perform a wide range of banking transactions electronically via the bank's Web site. When first introduced, Internet banking was used mainly as an information presentation medium in which banks marketed their products and services on their Web sites. The purpose of this study is to identify that what are the factors influencing business customers to the adoption of internet banking. Bank provides a variety of products and services to the customer, the various services offered by the banks can be utilized by the customers only when they are aware of the services. Researcher in this research has attempted to evaluate to Internet banking by providing insights on the factors that affect Internet banking adoption. Primary data was collected by Questionnaires, 100 respondents were selected for study after initial screening, and they were all SMEs customers. According to this study researcher found that perceived benefit, attitudes, External pressures, ease of use and ICT knowledge have the positive significant effect on adoption of internet banking among SMEs. Security not much effect on the adoption of internet banking. Top Keywords Questionnaires, Influencing, Enterprises, Communications. Top |