A Comparative Study on the Adoption of Internet Banking in the Rural Area of Chhattisgarh, India, Before and During the Covid-19 Pandemic

This study evaluates the variables influencing consumers' adoption of internet banking in Chhattisgarh, India.There were the following factors were considered for adopting Internet Banking.• Information-Based Services• Transactional-Based Services• Investment-Based ServicesThis study also compared the impact of the COVID-19 pandemic on customers’ online banking and e-payment usage and found reasons and factors for not adopting Internet Banking. The study was conducted for the pre- and post-COVID-19 period with a sample size of 450 using the Convenience Sampling Technique; the participants were customers of the bank in the rural area of Chhattisgarh. The outcomes show that data-based administrations offered are the principal factors affecting the adoption of Internet Banking, and the fundamental variable for not embracing Internet Banking is the lack of information in regards to the working of Internet Banking.