The Study of Factor Influencing the Adoption of Digital Banking Services among Customers

Abstract The rapid growth of digital banking has transformed the way customers interact with financial institutions. Despite its benefits, the adoption of digital banking services remains uneven. This study identifies and examines the key factors influencing the adoption of digital banking services among customers. A comprehensive framework incorporating demographic, psychological, technological, environmental, and bank-specific factors is proposed. The findings suggest that perceived usefulness, trust, and accessibility are significant predictors of digital banking adoption. The study provides valuable insights for banks and financial institutions seeking to promote digital banking services and enhance customer engagement. The results also contribute to the existing literature on digital banking adoption, highlighting the importance of a multi-faceted approach to understanding customer behavior