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This research provides an overview of the customer perception towards E-banking in Sri Lanka, thus highlighting the factors the influence the use of E-banking. The usage of the internet is rapidly increasing in Sri Lanka. However, the usage of E-banking is very low compared to the increase of internet users. In this regard, the analysis will compare the extent of use of E-banking in Sri Lankan rural and urban districts. The study employs both qualitative and quantitative research methods and will be conducted among bank users in Sri Lanka's urban and rural districts. To accomplish the purpose of the study, 390 complete responses were gathered from bank customers who were Ebanking and non-E-banking users by using a convenience sampling method. Through this research, it was identified that the E-banking usage level in the rural region is low compared to the urban region. In addition, findings show that perceived usefulness, perceived ease of use, and awareness of the service are highly influencing factors in the adoption of E-banking among respondents. Like other studies perceived risk and trust, knowledge of the internet and access to the internet, and perceived cost are to be moderately influencing factors. Multi-linear regression analysis was used to apply for this research in order to determine the impact of customer perception on E-banking usage in Sri Lanka. The findings revealed that perceived cost, awareness of the service, and knowledge of internet and access to internet have a significant positive effect on customer perception towards E-banking while perceived usefulness, perceived ease of use, and perceived risk and trust has no significant effect towards E-banking usage according to the results of the study. International Journal of Academic Research in Business and Social Sciences Vol. 1 0 , No. 10, 2020, E-ISSN: 2222-6990 © 2020 HRMARS 684

A Study on Customer Perception towards E-banking: With Special Reference to Urban and Rural Districts in Sri Lanka.