Impact of Digital Adoption on Consumer Trust and Risk Perceptions

Using Social Cognitive Theory (SCT) as the base this research evaluates the elements affecting the digital adoption. The analysis evaluates the effects of self-efficacy, social influence, perceived trust, perceived risk together with facilitating conditions on the behavioral intention of online pharmacy adoption. The study evaluates how observational learning impacts the connection between behavioral intentions to adopt digital options. The research implements a quantitative design through survey data collection from 350 participants using online digital platforms. To measure the effectiveness, a 5-point Likert scale was used. Data collection used convenience sampling methods while the data analysis involved PLS-SEM (Smart PLS 4) to evaluate the assumed relationships. Behavioral intention receives significant impact from self-efficacy together with perceived trust but adoption behavior experiences positive effects due to perceived risk. Social influence strengthens trust and adoption between consumers and online pharmacies and observational learning provides additional advantages to their engagement. This research yields guidance which helps both online pharmacy providers and policymakers and healthcare regulatory bodies. The adoption rates can expand by strengthening trust mechanisms and implementing digital literacy education together with maintaining regulatory compliance.