The internet has had a big impact on banks' delivery methods. The internet has become a crucial channel for the provision of banking services and goods. Inter-branch connectivity, information, communication, and networking, the transition to a Real Time Gross Settlement (RTGS) environment, the creation of real-time databases for liquidity forecasting, Customers' expectations are evolving as a result of the transition from traditional to online banking. Such seclusion is almost unthinkable for a nation like India, one of the most promising growing markets. It is unacceptable to stay away from or follow global trends, especially in the field of information technology, where India unquestionably has an advantage over its rivals. The biggest consumer and user of information technology is the financial sector, and the banking sector in particular. This attempts to establish a connection between the Indian banking sector and global developments. The current study is a customer-focused investigation on how Kerala's public, older private, and newer generation banks are using Internet banking. Only retail banking customers who use IB were taken into account in the study's scope; whole sale bank customers who utilise IB were not taken into account. The state of Kerala was chosen because of its strong banking culture, high literacy rates, boom in e-literacy, passion for technology adoption among the populace, presence of a well-structured e-platform, and extensive network of banks spread throughout the state. The study does not apply to the respondents from international banks because they had a distinct banking culture and methodology.