The study focuses on the perception of customers whether the development of the banking scenario has been satisfactory. Although the banking sector has made huge investments in the development of e-banking, rural areas have not yet been able to access services for various reasons, including customer attitude and perception, lack of service quality and the inadequacy of banking infrastructure. On the one hand, rural areas have been neglected due to inadequate network facilities, electrical systems, reluctance of bank employees to work in rural areas and illiteracy of the rural population (Shivamaggi, 1997). Say no to plagiarism. Get a tailor-made essay on "Why Violent Video Games Shouldn't Be Banned"? Get Original EssayBut on the other hand the lack of technological innovations like ATMS, credit cards, debit cards, internet banking, mobile banking, ECS, RTGS and Mobile Wallet in rural areas have created a huge opportunity for banking institutions to look beyond the traditional form of physical bank branches (BORO, 2013). This is where the government and politicians need to intervene by implementing favorable policies and developing infrastructure to attract financial institutions to backward areas (Chowa & Adjabeng, 2015). In line with the above statement, it is the duty of banks to strike the right balance between physical (human) and electronic connection with customers (Patil, 2005). Research studies have applied Bass's (1969) model, which explains the behavior of individual customers in the adoption of new products or services. This study observed that individual characteristics and product characteristics are the factors that push customer to adopt or not adopt technological advancements (Mei Xue, 2011). In relation to the above analysis, the individual's decision to adopt a new information system is mainly based on his attitude towards the system which is a function of perceived ease of use and perceived usefulness. The key factors influencing the adoption of e-banking are security and privacy concerns, trust issues and lack of awareness (Nitsure, 2004). Few researchers have found it important to examine the characteristics of both offline and online channels. This analysis will help to understand the thinking process of customers and serve them better (Frei, 2002). Perceived credibility, performance expectation, and cultural dimensions such as individualism, uncertainty, and avoidance have a direct influence in influencing the acceptance of e-banking (Yee Yen Yuen, 2015). Please note: this is just an example. Get a custom paper from our expert writers now. Get a Custom Essay On the contrary, the financial intermediary's consistency with the ability to mobilize local funds is a way to promote growth and therefore improve the living standards of its customers (Masahudu, 2014). Most researchers have concluded that, to a large extent, technological interventions among banks have produced a number of benefits that can be availed by customers across any geographic space..