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Artykuły w czasopismach na temat „Digital banking adoption”

Autor: Grafiati

Data publikacji: 2 czerwca 2025

Data aktualizacji: 31 lipca 2025

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Pham, Duy Khanh. "Digital Banking Adoption in Vietnam: An Application of UTAUT2 Model." Webology 19, no. 1 (2022): 3243–62. http://dx.doi.org/10.14704/web/v19i1/web19214.

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Digital banking is a modern form of banking – a new type of digital business. It covers all aspects of a traditional bank and transforms it into an application through digital technology. Digital banking plays a critical role in banking and economic development in the era of industrial revolution 4.0. This research examines the factors affecting the intention to use digital banking services in Vietnam, a frontier market. The research inherits the UTAUT2 research model to examine the determinants of digital banking services. The empirical study results show that the behavioural intention of dig

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Hasibuan, Putri Septi Naulina, Liya Rinawati, and Rinto Harno. "DIGITAL FINANCE ADOPTION STRATEGY IN SHARIA BPR." JOURNAL OF HUMANITIES SOCIAL SCIENCES AND BUSINESS (JHSSB) 2, no. 3 (2023): 404–15. http://dx.doi.org/10.55047/jhssb.v2i3.587.

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The emergence of Financial Technology has not only transformed conventional banking businesses but also Islamic banking. This is evident from the increasing collaborations between Islamic banks and Fintech companies. The purpose of this research is to examine the relationship between perceived risk, perceived benefits, financial literacy, and the intention to adopt digital finance in the Islamic banking sector. The study was conducted using a correlational research design and data were collected from 85 customers of Islamic banks through questionnaires. The data were analyzed using multiple li

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Jeevitha, P. "Analysis of Digital Banking Adoption among Gen Z Students." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem42972.

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The study sought to examine the adoption of digital banking among Gen Z students in Coimbatore City. A survey was administered among 75 Gen Z students who actively used digital banking. The collected data was analyzed using SPSS, employing both the Chi-Square test and T-Test. The Chi-Square test results showed no significant relationship between gender and the type of digital wallet used, nor between age and the wallet used for digital banking. Additionally, the T-Test revealed no significant differences in digital banking usage among Gen Z students based on age. Key words: Digital banking, Ge

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Dorotheou, Doros. "Determinants of the adoption of Digital Banking: A Study of Cyprus." International Journal of Management and Commerce Innovations 12, no. 2 (2025): 195–207. https://doi.org/10.5281/zenodo.14747773.

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<strong>Abstract:</strong> This study explores the factors related to customer behavior influencing digital banking adoption in the context of Cyprus. Specifically, it examines key variables through the Technology Acceptance Model (TAM) framework, focusing on four critical components: perceived usefulness, perceived ease of use, security and trust, and awareness. By adopting a quantitative research approach, the study employs a structured survey methodology, with data collected from 234 respondents. The responses were analyzed using multiple regression techniques to investigate the relationshi

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Parakh, Santosh, Prakash Ukhalkar, and Leena Sanu. "Digital Wallet and Mobile Banking Adoption Among Rural Bank Customer." International Research Journal of Business Studies 13, no. 3 (2020): 215–26. http://dx.doi.org/10.21632/irjbs.13.3.215-226.

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This study provides a rural viewpoint to the global research and literature on adoption of digital wallet and mobile banking among rural customer. It empirically examines the most influencing factors that stimulating to digital wallet and mobile banking user for service adoption. Primary and secondary data sources are used. A sample of 300 customers was surveyed from the rural areas of Maharashtra state, INDIA. A Simple Random Sampling method is used for selections of area from Maharashtra state and Chi-square testing was used in stated hypothesis. The study concludes that Security-Privacy, Tr

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Acosta-Prado, Julio César, Joan Sebastián Rojas Rincón, Andrés Mauricio Mejía Martínez, and Andrés Ricardo Riveros Tarazona. "Trends in the Literature About the Adoption of Digital Banking in Emerging Economies: A Bibliometric Analysis." Journal of Risk and Financial Management 17, no. 12 (2024): 545. https://doi.org/10.3390/jrfm17120545.

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This study examines the trends in the literature about adopting digital banking in emerging economies. It is based on the concepts of digital transformation and technological adoption, which significantly impact the development of the banking industry. A quantitative approach was used through a bibliometric analysis using data from Scopus to achieve the objective. The search equation allowed 118 publications to be extracted and analyzed. The results show that digital banking in emerging countries is a growing field of research that has driven the introduction of new information technologies. T

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Mohammed, Bayyoud, S. Q. Barakat Firas, and Ahmad Sayyad Nermeen. "The Fintech Frontier: The Impact of Digital Banking on Palestine's Financial Future." Journal of Economics, Finance And Management Studies 08, no. 02 (2025): 908–26. https://doi.org/10.5281/zenodo.14848764.

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Technologies has the capacity to improve financial inclusion and provide access to financial services in Palestine. The study examines mobile phone ownership, internet accessibility, and FinTech literacy as factors influencing digital banking adoption in Palestine, employing logistic regression, chi-square tests, and random forest classifiers. The logistic regression model indicates that mobile phone owners and internet users are more inclined to utilize digital banking services. Financial literacy and consumer education are essential for FinTech adoption, as is awareness. The Chi-Square test

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Setiawan, Rahmat, and Leonardus Prakoso. "DIGITAL BANKING ADOPTION, BANK SIZE, AND BANK PERFORMANCE IN INDONESIA." Jurnal Ekonomi dan Bisnis Airlangga 34, no. 2 (2024): 196–207. https://doi.org/10.20473/jeba.v34i22024.196-207.

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Introduction: The adoption of technology has become prevalent in the banking sector. This research investigates the potential correlation between the implementation of digital banking adoption and the bank performance (Return on Assets and Operational Efficiency Rasio), while considering the factor of bank size. Methods: This research utilizes panel data regression to assess the effect of digital banking adoption on the performance of banking firms. Additionally, it explores whether the bank size influences the strength of the relationship between the independent and dependent variables. Resul

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Irawan, Tedhi, Che Ruhana Isa, and Ervina Alfan. "The effect of digital banking adoption and risk management on bank performance: The intervening role of balanced scorecard." International Journal of Innovative Research and Scientific Studies 8, no. 4 (2025): 965–80. https://doi.org/10.53894/ijirss.v8i4.7980.

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This research examines the effect of digital banking adoption and risk management on bank performance. In addition, this study examines the function of a balanced scorecard in mediating the impact of digital banking adoption and risk management on bank performance. The research was conducted using a survey questionnaire and a hypothetico-deductive approach, placing this in a positivist paradigm. Data were gathered from 200 senior bank managers in 40 banks, comprising 4, 16, and 20 state-owned, regional development, and private-owned banks, respectively. Meanwhile, data analysis and hypothesis

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Serdarušić, Hrvoje, Mladen Pancić, and Željka Zavišić. "Green Finance and Fintech Adoption Services among Croatian Online Users: How Digital Transformation and Digital Awareness Increase Banking Sustainability." Economies 12, no. 3 (2024): 54. http://dx.doi.org/10.3390/economies12030054.

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This study delves into the dynamic interplay between green finance, Fintech adoption, digital awareness, and digital transformation in the Croatian banking industry. Amidst the emerging trend of sustainable banking practices and technological advancements, this research aims to examine the influence of green finance on Fintech adoption and banking sustainability. Employing a quantitative research design, this study gathered data through a survey questionnaire of 304 participants, comprising customers and employees of various banks in Croatia. The respondents’ insights were analyzed using IBM S

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Pradhan, Sonu. "Role of Digital Financial Literacy for Mobile Banking Adoption in Digital Era." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem36192.

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Western Odisha, like many other regions in the country, is currently experiencing significant growth in both financial services and smartphone ownership. This accelerate development highlights the increasing importance of digital financial literacy in influencing the adoption and utilization of mobile banking services. The purpose of this study is to investigate how digital financial literacy impacts the use of mobile banking in Western Odisha. To understand the complex relationship between digital financial literacy and mobile banking behavior, a multifaceted approach was taken, including in-

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Shayastha Poudyal. "Digital Banking Adoption Behaviour of Nepalese Customers." Nepalese Journal of Management Research 5, no. 1 (2025): 78–88. https://doi.org/10.3126/njmgtres.v5i1.75875.

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Digital banking has become an integral part of the global financial landscape, offering convenience and accessibility to the customers. Through the availability of digital banking amenities customers can perform transaction 24/7. In Nepal, as well as other emerging economies, the adoption of digital banking platform is one of the crucial areas of the study. The research was solely based on the primary data which was allocated using the survey questionnaire. A sample of 345 respondents were undertaken where data were analyzed using two statistical software namely: IBM SPSS 25v and Smart-PLS 4.0

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Abuselidze, George, and Tamriko Zoidze. "Digital Transformation in Georgian Banking: Trends and Current Level of Adoption." European Journal of Sustainable Development 13, no. 4 (2024): 341. http://dx.doi.org/10.14207/ejsd.2024.v13n4p341.

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The significance of digital technologies is crucial in contemporary times. This is especially pertinent for the banking industry, enabling it to deliver high-quality customer service and address market challenges promptly. This article examines the current state of the Georgian banking system, focusing on digital services and products, and the advances banks have made in integrating innovative digital technologies. Using specific criteria, the study evaluates the level of digitization within the banking sector, identifying strengths and areas for improvement. The research also explores the dig

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Lama, Padam Bahadur, Rita Subedi Subedi, Basu Dev Lamichhane, Murari Karki, and Sabina Chalise. "Digital transformation of banking: Assessing mobile banking adoption in Nepal." International Journal of Business Strategy and Social Sciences 7, no. 1 (2024): 36–46. http://dx.doi.org/10.18488/171.v7i1.3889.

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The purpose of study was to investigate the influence of perceived usefulness, perceived security, and perceived cost on behavioral intention to adopt mobile banking, which reflects the evidences from among the users of digital mobile banking services in Kathmandu, Nepal. The study fills a gap in the literature by examining the influencing factors for mobile banking adoption. This study adopted descriptive and casual correlational research design to test the hypotheses. The survey employed cross-sectional data using convenience-sampling technique, disseminated 607-structured questionnaire amon

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Tripathi, Prabhanshu, and Puneet Rai. "Customer Attitudes and Adoption of Digital Banking." LBS Journal of Management & Research 15, no. 1 (2017): 15. http://dx.doi.org/10.5958/0974-1852.2017.00002.5.

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Singh, Shamsher, and Ravish Rana. "Customer Perception and Adoption of Digital Banking." Research Journal of Humanities and Social Sciences 10, no. 2 (2019): 397. http://dx.doi.org/10.5958/2321-5828.2019.00067.6.

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Matlala, Ntswaki Petunia. "Understanding the Factors Influencing Adoption of Digital Banking in Emerging Markets: The Role of Perception and Personality Antecedents." Journal of Marketing and Consumer Behaviour in Emerging Markets 2023, no. 2(17) (2023): 32–45. http://dx.doi.org/10.7172/2449-6634.jmcbem.2023.2.3.

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The emergence of digital banking has presented the banking industry with benefits and challenges. Although digital banking services provide customers with increased convenience and accessibility around the clock, many still struggle to grasp their ever-changing nature. To address this, a study was conducted to identify the main factors influencing the adoption of digital banking in South Africa. The study used an e-readiness framework that combined the innovation diffusion theory and trust in technology with the technology readiness index to measure consumers’ adoption of digital banking chann

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Yadav, Mamta. "A Comparative Study on Digital Financial Literacy and E-Banking Adoption." International Journal for Research in Applied Science and Engineering Technology 12, no. 7 (2024): 682–86. http://dx.doi.org/10.22214/ijraset.2024.63616.

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Abstract: In this research paper I have thoroughly described about the topic “A Comparative Study on Digital Financial Literacy and E-Banking Adoption”. The rapid expansion of digital technology has altered money. Thus, digital financial literacy and ebanking are more crucial than ever. The opening of this paper discusses the relationship between digital financial literacy and ebanking and their importance in the current world. Digital financial literacy is having the knowledge, skills, and trust to manage your money online. E-banking services are increasing, therefore people must grasp online

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Nepal, Srijana, and Bidush Nepal. "Adoption of Digital Banking: Insights from a UTAUT Model." Journal of Business and Social Sciences Research 8, no. 1 (2023): 17–34. http://dx.doi.org/10.3126/jbssr.v8i1.56580.

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The study examines the factors that affect the adoption of digital banking by clients of commercial banks in Nepal. The paper used a survey questionnaire to collect primary data from a sample of 384 respondents and applied statistical tools including descriptive statistics, correlation analysis, reliability testing, and regression analysis to analyse the data. The results showed that facilitating conditions, effort expectancy, and habit had a significant positive impact on digital banking adoption, while social influence and performance expectancy did not have a significant effect. The regress

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Hossain, Mohammad Azhar. "Factors Affecting the Intention to Use Digital Banking." Finance & Economics Review 5, no. 2 (2024): 51–62. http://dx.doi.org/10.38157/fer.v5i2.596.

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Purpose: Banks are adopting digital banking to attract clients by providing more useful services, and creating safe, dependable, and easy-to-use online tools. The purpose of this research is to examine the factors influencing the overall adoption of digital banking by retail banking customers. Methods: An expanded technology acceptance model (TAM) serves as the basis for the theoretical framework of the study. A structured survey of 200 consumers is used to gather primary data, and multiple regression analysis is used to examine the correlations between six independent components. Results: The

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Mweene, Taonga, and Mukelabai Mukelabai. "Exploring the Challenges of Customer Adoption of Digital Banking Solutions at Natsave Bank in Lusaka." African Journal of Commercial Studies 6, no. 3 (2025): 1–14. https://doi.org/10.59413/ajocs/v6.i3.1.

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The banking industry is undergoing a digital transformation, integrating online and mobile banking to enhance customer service delivery. While digital banking offers numerous advantages, like 24/7 availability and reduced costs, its adoption in Zambia is low compared to the bank targets, with many customers preferring traditional teller services. Hence, this study explored the specific challenges faced by Natsave Bank customers in adopting digital banking solution in Lusaka. The study employed a concurrent mixed-methods approach, combining qualitative and quantitative techniques to gather data

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SHYAM SUNDAR, ITIKELA. "DIGITAL TECHNOLOGY IN BANKING POST DEMONETIZATION." International Journal of Engineering Technologies and Management Research 7, no. 7 (2020): 8–14. http://dx.doi.org/10.29121/ijetmr.v7.i7.2020.711.

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This research investigates the differences in the technology adoption behaviour of customers of Indian banks during the pre and post demonetization phase. The Survey results of 200 bank customers in India find that the Indians are still holding back from embracing the digital platforms to make payments. The study could not establish the constructive effects of demonetization in e-banking adoption behaviour, despite the significant growth in the use of small digital payment platforms like Paytm. However, the usage of Point of Sale (POS) machines for transacting payments has increased tremendous

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Agrawal, Aayush. "A STUDY ON CUSTOMERS PERCEPTION TOWARDS ONLINE BANKING." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04434.

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Abstract: The digital revolution in the banking sector has introduced online banking as a transformative service that provides customers with flexibility, time savings, and convenience. This research aims to examine customer perceptions, awareness levels, satisfaction, and the factors affecting both the usage and non-usage of online banking services. A sample of 98 respondents from Raipur, Chhattisgarh, participated in a structured survey. The findings indicate a high adoption rate of online banking among younger, educated users, primarily due to ease of use and time efficiency. However, chall

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Farida Ayu Avisena Nusantari, Eryco Muhdaliha, and Mia Laksmiwati. "Sentiment Analysis and Factors Influencing the Adoption of Islamic Digital Banking among the Millennial Generation in Indonesia." International Conference on Education, Social Sciences and Technology (ICESST) 3, no. 2 (2025): 255–61. https://doi.org/10.55606/icesst.v3i2.455.

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This research explores the factors influencing the adoption of Islamic digital banking among millennials in Indonesia. Employing a qualitative approach through a comprehensive literature review, the study analyzes existing research on Islamic digital banking adoption, focusing on academic journals, conference proceedings, and industry reports. The findings reveal that perceived ease of use and usefulness of digital banking services are crucial. Additionally, social influences, such as peer and family recommendations, and personal factors, including demographics and cultural background, signifi

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Sahi, Ala Mahdi. "Predicting Iraqi Bank Customers Intentions To Use Digital Banking Services Through The Extended Theory Of Planned Behavior (TPB)." Jurnal Ilmu Manajemen Saburai (JIMS) 10, no. 2 (2024): 221–40. https://doi.org/10.24967/jims.v10i2.3649.

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AbstractThe purpose of this study is to examine the determinants affecting Iraqi customers intentions to use of digital banking services based on the Extended Theory of Planned Behavior (TPB). Given that digital banking is a new concept in Iraq, understanding the key drivers behind its adoption is essential for the industry. This paper evaluates the impact of some variables, such as attitude, social pressure, and perceived behavioral control, trust, and perception value, on shaping customer adoption intention. The study used PLS-SEM with SmartPLS to interpret the data from a survey of 334 cust

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Babayeva, Guzal Primkulova Gulzoda. "DIGITAL TECHNOLOGIES IN BANKING SYSTEM." ACADEMIC RESEARCH IN MODERN SCIENCE 2, no. 16 (2023): 208–13. https://doi.org/10.5281/zenodo.8037201.

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The increasing adoption of digital technologies in the banking industry has led to significant changes in the way banks operate, interact with customers, and process payments, while also presenting challenges related to cybersecurity, data privacy, and the need for ongoing innovation.

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Basoeki, Jonathan Bagus Pradhana, and Anna Amalyah Agus. "Understanding the Role of Social Media Marketing and Technology Adoption Model in Shaping Customer Adoption of Digital Banking." South East Asian Journal of Management 17, no. 2 (2023): 50–73. http://dx.doi.org/10.21002/seam.v17i2.1380.

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"Research Aims: The present research aims to investigate factors that significantly influence customers’ behavioural intention to use digital banking products. Following prior work on social media marketing and the influence of conglomerate group benefits, in addition to providing a comprehensive understanding, the research incorporates three established theories: the Theory of Planned Behaviour, the Technology Acceptance Model, and the Unified Theory of Acceptance and Use of Technology. Design/Methodology/Approach: The sample consists of current Allo Bank users. Data collection involved conve

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Harb, Atef, Mira Thoumy, and Michel Yazbeck. "Customer satisfaction with digital banking channels in times of uncertainty." Banks and Bank Systems 17, no. 3 (2022): 27–37. http://dx.doi.org/10.21511/bbs.17(3).2022.03.

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The unprecedented Lebanese economic crisis and the global COVID-19 pandemic have taken their toll on the Lebanese banking sector. This led to the need to investigate this sector in times of dire uncertainty by highlighting six digital banking channels offered by Lebanese banks. This study reveals how the banking industry has adapted to this novel situation by embracing dynamic technological changes to attain higher levels of customer satisfaction with digital banking channels (DBCs). Consequently, the study investigates the extent of DBC adoption, their usage benefits, the resulting service qu

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Siska, Elmira. "Exploring the Essential Factors on Digital Islamic Banking Adoption in Indonesia: A Literature Review." Jurnal Ilmiah Ekonomi Islam 8, no. 1 (2022): 124. http://dx.doi.org/10.29040/jiei.v8i1.4090.

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The Islamic banking sector is going to change as a result of shifting customer behavior, rising expectations, the adoption of new technology, and the digitization of business and society in general. Islamic banking must become digitally savvy to survive in this new era of technology. Successful digital banking adoption affects by some factors. The purpose of this research is to identify the key success factor of digital banking adoption on Islamic banking in Indonesia. This study employed a qualitative research design through library research techniques. The author reviewed and analyzed variou

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ESENDEMIRLI, Ebru, Alabi Abdulraouv OLAWALE, Saban CELIK, and Mehmet Oguz KARAHAN. "Digital Banking Adoption: Evidence from the Nigerian Youth Market." International Journal of Contemporary Economics and Administrative Sciences 14, no. 1 (2024): 14–35. https://doi.org/10.5281/zenodo.13871769.

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<strong>Abstract</strong> This study aims to identify the factors influencing the adoption of digital banking in the Nigerian youth market. The research explores the adoption of both mobile and internet banking as part of a single digital banking concept. The research model extends the technology acceptance model (TAM) by further examining the impact of awareness, culture, social norms, perceived trust, perceived security on behavioral intention. The results suggest a strong influence of perceived trust on behavioral intention to adopt digital banking. Perceived ease of use, perceived usefulne

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K, Keerthana, and S. V. Praveen. "A Study on Impact of E-Banking on Customer’s Financial Behavior in IOB." International Scientific Journal of Engineering and Management 04, no. 03 (2025): 1–7. https://doi.org/10.55041/isjem02548.

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This study investigates how e-banking services at Indian Overseas Bank (IOB) influence customers' financial behavior, including spending habits, savings patterns, and investment decisions. Focusing on digital platforms like mobile banking, UPI, and online transactions, the research analyzes data from 249 IOB customers to assess the relationship between e-banking usage and financial management. The findings reveal that convenient digital tools significantly enhance financial planning and transaction frequency, particularly among younger users. However, challenges such as security concerns and l

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Vu, Hiep HOANG, and Ha Thao PHAN Le. "Digital Banking Adoption and Financial Inclusion in Vietnam: A Multi-Dimensional Analysis of User Perceptions and Socioeconomic Factors." Journal of Economics, Finance And Management Studies 07, no. 10 (2024): 6436–50. https://doi.org/10.5281/zenodo.14005491.

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This study investigates the factors influencing digital banking adoption intention and its impact on perceived financial inclusion. By integrating the Technology Acceptance Model with trust theories and digital literacy concepts, we develop a comprehensive framework to understand the complex relationships among these variables. The research employs a mixed-method approach, combining structural equation modeling (SEM) and fuzzy-set qualitative comparative analysis (fsQCA) to analyze survey data from 587 respondents. Results from SEM reveal that perceived usefulness, perceived ease of use, insti

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Kaur, Bimaldeep, and Narinder Kaur Batra. "Technology adoption of digital banking and women consumers: An empirical investigation." International Journal of Experimental Research and Review 32 (August 30, 2023): 278–87. http://dx.doi.org/10.52756/ijerr.2023.v32.024.

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Digital banking services have gained much attention in recent years due to their enormous advantages, like convenience, flexibility, and time-savings compared to traditional banking services. However, the low awareness, perceived risk, and security concerns with online banking services led Indian women to deposit their savings in banks, mostly in accounts operated by the husband or a male family member. This study examines women consumers' awareness and intentions to use digital banking during post-demonetization. The study has analyzed the technology adoption model and established a relations

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Agustina, Feny, and Ryan Al Rachmat. "Factors Driving the Use of Fintech M-Banking: A Survey of University Students in Palembang City." Jurnal Akuntansi AKUNESA 13, no. 2 (2025): 210–22. https://doi.org/10.26740/akunesa.v13n2.p210-222.

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This study aims to examine the influence of the Technology Acceptance Model (TAM) and Digital Financial Literacy (LKD) on the use of fintech mobile banking among students in Palembang City. The data was collected through an online questionnaire with 111 respondents and analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results show that Perceived Usefulness (PU) and LKD have a positive and significant effect on the use of fintech mobile banking, while Perceived Ease of Use (PEU) does not have a significant influence. However, LKD significantly mediates the influenc

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Kurniawan, Abraham Ivan, Celine Morgan Gemiartha, Jethson Edbert Sudarsono, Joshua Wijaya, Keona Adeline Yusuf, and Nanik Linawati. "Factors Influencing the Adoption of Digital Banking: Generation Z in Surabaya." Journal of Accounting and Finance Management 6, no. 2 (2025): 641–51. https://doi.org/10.38035/jafm.v6i2.1915.

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The study titled "Factors Influencing the Adoption of Digital Banking: Generation Z in Surabaya" examines the influence of digital financial literacy comprising financial knowledge, financial behavior, and financial attitude on the interest in adopting digital banking services among Generation Z in Surabaya. A quantitative research method was employed using a survey approach. The respondents consisted of 115 individuals aged 18–28 years in Surabaya, selected through purposive sampling. Data were collected via online questionnaires and analyzed using the Partial Least Squares Structural Equatio

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Gusti, Girang Permata, and Hil da. "THE POTENTIAL USE OF QUICK RESPONSE (QR) CODES IN MOBILE BANKING: AN ANALYSIS OF IMPLEMENTATION AND ITS IMPACT ON USER EXPERIENCE." Malaysian E Commerce Journal 7, no. 1 (2023): 54–57. http://dx.doi.org/10.26480/mecj.01.2023.54.57.

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This study analyzes the potential for using Quick Response (QR) Codes in mobile banking services and their impact on user experience and the development of digital banking services. Focusing on the QR Code Indonesian Standard (QRIS) provided by Bank Indonesia, this research explains how QRIS enables efficient and safe non-cash transactions. Statistical data related to the growth of users and merchants adopting QRIS is used to illustrate the adoption of this technology. A quantitative descriptive approach was used to analyze secondary data that describes the growth of QRIS users and traders. In

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Ab. Aziz, Muhammad Ridhwan, and Muhammad Zakirol Izat Mustafar. "The Interconnection between Level of Income and Tendency towards Adoption of Islamic Digital Banking." 13th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 13, no. 1 (2022): 1. http://dx.doi.org/10.35609/gcbssproceeding.2022.1(33).

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During the globalisation period, information and communication technology (ICT) has profoundly impacted various fields, particularly in the banking and finance sector in which resulted to the emergence of digital banking. When a country's majority population is Muslim, such as Malaysia, Islamic digital banking becomes required to arise in order to meet the needs of the country's community to enjoy the halal financing products given by Islamic banking. However, the community may respond or not to the adoption of new technology such as Islamic digital banking since there are certain elements tha

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Tanash, Hamza Ahmad, Shadi Khalifeh Alahmad, Kholood Ahmed Tanash, and Abdalla Mohammad Al Badarin. "Opportunities for the success of digital Islamic banks in Jordan." International Journal of Innovative Research and Scientific Studies 8, no. 3 (2025): 255–65. https://doi.org/10.53894/ijirss.v8i3.6480.

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This study aims to explore the prospects for the success of digital Islamic banks in Jordan by examining the factors that influence customers' attitudes toward adopting digital banking services. A quantitative research approach was employed, utilizing a questionnaire grounded in the Technology Acceptance Model (TAM), which is derived from the Theory of Reasoned Action (TRA). The study surveyed a sample of 556 respondents, and data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Model validity was confirmed through the Chi-square and SRMR tests. The findings re

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Asmita, Radadiya. "Neo-Banking: A Revolutionary Shift in Digital Banking." International Journal of Advance and Applied Research S6, no. 13 (2025): 33–37. https://doi.org/10.5281/zenodo.14912794.

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<em>Neo-banking is transforming the financial industry by offering digital-only banking services without the need for traditional brick-and-mortar branches. These banks leverage cutting-edge technology, artificial intelligence, and user-friendly interfaces to provide seamless banking experiences. This paper explores the concept, significance, and challenges of neo-banking, highlighting its impact on financial inclusion and customer experience. A comprehensive literature review and an analysis of research gaps are conducted to understand the adoption of neo-banking. Finally, findings and sugges

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Kola, Blerim, Vaeld Zhezha, and Elton Noti. "Digital Banking Across the Balkans: Navigating Adoption, Innovation, and Regional Challenges." Interdisciplinary Journal of Research and Development 11, no. 3 (2024): 40. https://doi.org/10.56345/ijrdv11n306.

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Digital banking has emerged as a major force in reshaping financial services globally, providing greater access, efficiency, and cost savings. This study focuses on the usage and adoption of digital banking in the Balkan countries, including Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Kosovo, Montenegro, North Macedonia, Romania, Serbia, and Slovenia. These nations, at varying stages of economic development and regulatory alignment, offer a unique context for exploring the trends, drivers, and barriers to digital banking. The article begins by examining the global rise of digital banki

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Kumar Asthana, Dr Pradeep. "A STUDY ON THE ISSUES AND FUTURE POTENTIAL OF E-BANKING FROM THE CUSTOMER’S PERSPECTIVE." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04173.

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ABSTRACT: In today’s fast-paced digital transformation era, the banking industry has undergone a major shift from conventional service delivery to electronic banking (e-banking). E-banking serves as an essential platform providing various financial services such as online fund transfers, account management, bill payments, and mobile banking, all designed to enhance customer convenience and improve operational efficiency. Despite these advantages, the adoption of e-banking faces several challenges. Many users experience obstacles like concerns over data security and privacy, limited technical s

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Chong, Yan-Chern, Teng-Tenk Melissa Teoh, and Teck-Heang Lee. "Adoption of Digital Banking Services Provided by the Licensed Non-Banking Consortiums: The Malaysians’ Perspective." International Journal of Research Publication and Reviews 4, no. 8 (2023): 228–38. http://dx.doi.org/10.55248/gengpi.4.823.50077.

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Mr.Vedant Prakash, Dr. Danish Hussain. "Digital-Only Banks: A Bibliometric Analysis of an Emerging Fin Tech Domain (1997–2025)." Economic Sciences 21, no. 1 (2025): 739–54. https://doi.org/10.69889/6rh4qh41.

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Neo-banks or the digital-only banks – became a disruptor in the banking industry. The present research gives a comprehensive bibliometric overview of the literature on digital-only banking from 1997 to 2025, presenting trends in publications, citation impact, and leading thematic themes. Utilizing a database of approximately 900+ articles from leading databases, we utilize Bibliometrix (Biblioshiny) and VOSviewer in mapping intellectual structure of the research area. The findings reflect exponential growth in scholarly publications over the last decade along with higher citation rates. Co-occ

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Lestari, Ni Komang Ayu Srigita, and Putu Indah Dianti Putri. "Pendampingan Penggunaan Layanan Perbankan Digital Pada Nasabah BANK BPD Bali Capem PUSPEM BADUNG." Jurnal Visi Pengabdian Kepada Masyarakat 5, no. 2 (2024): 176–83. http://dx.doi.org/10.51622/pengabdian.v5i2.2440.

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Abstract Assistance with Digital Banking Services Usage at Bank BPD Bali Capem Puspem Badung identifies low levels of digital technology adoption among customers as a major challenge. Despite Bank BPD Bali’s commitment to regional economic development and providing inclusive banking services, many customers still rely on cash transactions and physical visits to the branch. This Internship Program aims to enhance understanding and usage of digital banking applications through intensive support. This approach includes direct education on how to use the app, its benefits, and technical problem- s

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Rai,, Rishoo. "An Analysis of Challenges in Adopting Digital Rupee (E Rupee) in India." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50943.

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The adoption of digital currencies, including the e-Rupee, presents both opportunities and challenges for India's financial landscape. This study examines the factors influencing public hesitation in adopting the e-Rupee, identifying key barriers such as technological literacy, security concerns, regulatory trust, and economic implications. Through primary data analysis, this research seeks to provide insights into the societal and institutional factors that shape digital currency adoption, offering recommendations to facilitate broader acceptance. Key Words: Digital Rupee, E-Rupee, CBDC (Cent

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Bartoo, Henry, Samuel Warui, and Robert Kasisi. "Financial Technology Adoption and Technical Efficiency of Commercial Banks in Kenya." Journal of Finance and Accounting 13, no. 2 (2025): 64–70. https://doi.org/10.11648/j.jfa.20251302.11.

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The adoption of financial technology (FinTech) has transformed the banking sector by enhancing operational efficiency and service delivery. This study examines the relationship between FinTech adoption and the technical efficiency of commercial banks in Kenya. Using Pearson correlation analysis, the study establishes strong positive relationships between FinTech adoption and technical efficiency (r = 0.68), as well as mobile banking (r = 0.66) and digital lending (r = 0.62) with technical efficiency. A multiple regression model was employed to assess the predictive influence of FinTech adoptio

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Sharma, Dr Vijeta. "Factors Contributing for Adoption of E-Banking in Rural Area of Himachal Pradesh." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem46823.

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Abstract In today’s digital age, rapid technological advancements are transforming industries worldwide, with the banking sector experiencing some of the most profound changes. As a critical pillar of economic development, banking has undergone a major shift through the integration of electronic banking (e-banking), fundamentally altering how financial services are delivered and accessed. In India, the adoption of e-banking reflects this global trend, offering not only enhanced convenience and operational efficiency but also expanding the reach of financial services to previously unbanked and

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Hardyansah, Rommy, Fayola Issalillah, Didit Darmawan, Rafadi Khan Khayru, and Samsul Arifin. "Analisis Perilaku Konsumen Muslim dalam Penggunaan Layanan Digital Banking Syariah: Studi Literatur." Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) 6, no. 1 (2024): 30–35. https://doi.org/10.47065/ekuitas.v6i1.5145.

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This study aims to analyze the effect of digital literacy and sharia literacy on the level of adoption of Islamic digital banking services and identify barriers faced by Islamic banking to meet Muslim consumer expectations of product innovation and service security. The approach used is a literature study by reviewing various scientific articles, books, and reports related to the topic. The findings show that digital literacy and sharia literacy are the main factors influencing the adoption of Islamic digital banking services. Digital literacy helps consumers understand technology, while shari

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Aziz, Muhammad Ridhwan Ab, and Muhammad Zakirol Izat Mustafar. "The Interconnection between Level of Income and Tendency of Malaysian Community towards Adoption of Islamic Digital Banking." GATR Journal of Finance and Banking Review Vol. 7 (1) April - June 2022 7, no. 1 (2022): 51–58. http://dx.doi.org/10.35609/jfbr.2022.7.1(3).

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Objective – This study is aimed to investigate the interconnection between the average income level and the tendency of the Malaysian community toward the adoption of Islamic digital banking. Methodology – This study used a quantitative survey questionnaire with 100 valid respondents. The data were collected within 3 months and the SPSS software was applied in this study to analyse the data using descriptive analysis. Cronbach's alpha tests were used to determine the reliability of multiple questions based on the Likert scale questionnaires in this study. Findings – The general finding of this

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Imanuel, Jovie, and Prijanto Budi. "Analysis of Acceptance Differences Between Baby Boomers and Other Generations Toward Digital Banking Services in Indonesia." Journal of Economics, Finance And Management Studies 08, no. 01 (2025): 535–43. https://doi.org/10.5281/zenodo.14717056.

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The rapid advancement of digital technology has significantly transformed the banking sector, making digital banking services essential for modern society due to their convenience and time efficiency. However, adoption rates vary across generations. This study analyzes the differences in acceptance of digital banking services between Baby Boomers and other generations in Indonesia, including Generations X, Y, and Z. A quantitative survey method involving 244 respondents measured factors such as ease of use, security, trust, and perceived benefits. The results show that Baby Boomers are slower

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