Indian banks have paid sufficient attention to recent innovations in banking services delivery such as e-banking, mobile banking, mobile payment, e-wallet, and e-money services, still the acceptance of these services among consumers is sluggish. Therefore, the present study aims to identify the intention of consumers to adopt various e-banking services. The study adopted the UTAUT2 model (Unified Theory of Acceptance and Use of Technology) and extended it with constructs such as consumer innovativeness, perceived risk, and security information availability. The extended research model was tested using a questionnaire-based response collected from 721 consumers. CB-SEM (Covariance-based structural equation modeling) was used to examine the hypotheses. An empirical examination of the model helped explain the impact of the UTAUT2 model's constructs in predicting adoption intention toward e-banking services. The study also revealed the importance and impact of newly incorporated variables in explaining consumers' adoption intention toward e-banking services. The study has provided some useful insight into the factors influencing consumers' intention to adopt e-banking services to shed new light.

印度银行已经对银行服务交付方面的最新创新给予了足够的重视，例如电子银行，移动银行，移动支付，电子钱包和电子货币服务，但消费者对这些服务的接受仍然很缓慢。因此，本研究旨在确定消费者采用各种电子银行服务的意图。该研究采用了UTAUT2模型（技术的接受和使用的统一理论），并通过诸如消费者创新，感知风险和安全信息可用性之类的结构对其进行了扩展。使用从721位消费者那里收集的基于问卷的回答对扩展的研究模型进行了测试。CB-SEM（基于协方差的结构方程模型）用于检查假设。对模型的经验检验有助于解释UTAUT2模型的影响。预测电子银行服务采用意向的结构。该研究还揭示了新加入的变量在解释消费者对电子银行服务的采用意图方面的重要性和影响。该研究为影响消费者使用电子银行服务意图的因素提供了一些有用的见识。