Proceedings of Innovative Multidisciplinary Approaches to Global Challenges: Sustainability, Equity, and Ethics in an Interconnected World (IMASEE 2025)

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Digital Banking Adoption: Predicting Determinants

Authors
Umar Amin1, *, Sarita Agrawal2, Uqba Yousuf3
1PhD Scholar, Department of Commerce, Vivekananda Global University, Jaipur, India
2Associate Professor, Department of Management Studies, Vivekananda Global University, Jaipur, India
3Assistant Professor, Department of Commerce, J & K Higher Education Department, Srinagar, J&K, India
*Corresponding author. Email: umar9075@gmail.com
Corresponding Author
Umar Amin
Available Online 14 June 2025.
DOI
10.2991/978-2-38476-416-7_2How to use a DOI?
Keywords
Digital banking; Adoption factors; TAM; Perceived cost; Perceived trust; Perceived risk; Social influence
Abstract

Purpose – This study aims to explore the salient factors that drive individuals’ proclivity to adopt digital banking services. It is vital for the banking industry to comprehend and forecast the factors influencing online banking adoption by individuals.

Design/Methodology/Approach – The study tested hypotheses using an extended version of TAM (Technology Acceptance Model) by employing Perceived cost, Perceived trust, Perceived risk, and Social influence along with the basic constructs of TAM i.e. Perceived usefulness and Perceived ease of use. The measurement items for the six constructs were adopted from prior studies and the instrument was tested for reliability and validity.

Findings – The study found Social Influence to be the most significant factor positively influencing customer’s propensity to opt for digital banking services followed by Perceived Trust, Perceived Risk, Perceived Usefulness, and Perceived Ease of use. The construct of Perceived Cost exhibited a significant negative influence on the intention of individuals to adopt internet-based banking services.

Practical Implications – Practitioners, policymakers, and bank managements can draw useful insights and pragmatic inferences from the study. The findings of the study can guide banks in the formulation of strategies that can foster the adoption of digital banking products by individuals and help in the growth and expansion of the banking business.

Originality/Value – The study has outlined the significant factors that drive the propensity of individuals to adopt digitalized banking services. It will assist banks in improving their digital services bouquet to make it more acceptable to people thereby enabling banks to strengthen their competitive positioning in the market.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of Innovative Multidisciplinary Approaches to Global Challenges: Sustainability, Equity, and Ethics in an Interconnected World (IMASEE 2025)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
14 June 2025
ISBN
978-2-38476-416-7
ISSN
2352-5398
DOI
10.2991/978-2-38476-416-7_2How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Umar Amin
AU  - Sarita Agrawal
AU  - Uqba Yousuf
PY  - 2025
DA  - 2025/06/14
TI  - Digital Banking Adoption: Predicting Determinants
BT  - Proceedings of Innovative Multidisciplinary Approaches to Global Challenges: Sustainability, Equity, and Ethics in an Interconnected World (IMASEE 2025)
PB  - Atlantis Press
SP  - 4
EP  - 18
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-416-7_2
DO  - 10.2991/978-2-38476-416-7_2
ID  - Amin2025
ER  -