The study focuses on whether the development of the banking scenario has been satisfactory from the point of view customers. Although the banking sector has made huge investments in the development of electronic banking services, rural areas have still not been able to access the services due to various reasons such as customer attitude and perception, lack of quality of inadequate banking services and infrastructure. On the one hand, rural areas have been neglected due to inadequate electricity networks and facilities, 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 Should Not Be Banned”? Get Original Essay But on the other hand, 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 policy makers need to step in by adopting favorable policies and developing infrastructure to attract financial institutions to underdeveloped areas (Chowa & Adjabeng, 2015). As per the above statement, it is the duty of banks to find the right solutions. balance between physical (human) and electronic connection with customers (Patil, 2005). Research studies have applied the Bass model (1969), which explains the behavior of individual customers when adopting new products or services. This study observed that individual characteristics and product features are the factors that influence the customer to adopt technological advancements or not (Mei Xue, 2011). Related to the above analysis, an individual's decision to adopt a new information system is primarily based on their attitude towards the system, which is a function of perceived ease of use and perceived usefulness. The fundamental factors that influence the adoption of electronic 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 offline and online channels. This analysis will make it possible to understand the thought process of customers and to better serve them (Frei, 2002). Perceived credibility, performance expectations and cultural dimensions such as individualism, uncertainty and avoidance have a direct influence on the acceptance of electronic banking services (Yee Yen Yuen, 2015). Keep in mind: this is just a sample. Get a personalized paper now from our expert writers.Get a Custom EssayOn the contrary, the consistency of financial intermediaries with the ability to mobilize local funds is a means of promoting growth and thus improving the standard of living of their clients (Masahudu , 2014). Most researchers have concluded that, to some extent, banks' technological interventions have brought a number of benefits that can be consumed by customers in any geographical space..