Irbha Magotra - Shri Mata Vaishno Devi University, Katra, J&K, India
Jyoti Sharma - School of Business, Shri Mata Vaishno Devi University, Katra, J&K, India
Supran Kumar Sharma - School of Business, Shri Mata Vaishno Devi University, Katra, J&K, India

The acceptance of the SSTs by the banking customers has been recognizedas one of the crucial aspects in the success of SST implementation. Theresearchers, at various points of time and in different contexts, havehighlighted the need for the identification of the factors affecting theacceptance of the SSTs. In this regard, technology adoption propensity of thecustomers and its relationship with socio-economic characteristics, technologyattributes and facilitating conditions has been unveiled as the most importantaspect. Taking this into consideration, the present paper has been framed toanalyze technology adoption propensity of the customers in India by focusingon the three aforementioned facets. Accordingly, the results have highlightedsignificant association of age, income and qualification of the customers withtheir propensity to adopt technology. Also, significant connection oftechnology adoption propensity of the customers with facilitating conditions,perceived usefulness and perceived ease of use has also been unveiled from theresults of the study. Based on the findings, the study has recommended theneed for framing strategies focusing on the three aforementioned facets as aneffective measure for enhancing acceptance of the SSTs among the customersin India.

Technology adoption propensity; perceived usefulness; perceived ease of use; customer acceptance of technology