Trust in digital banking: a thematic review of drivers, barriers and emerging evidence in developing countries

This article presents a thematic review of the growing body of literature on trust in digital banking within the context of developing countries. Trust is widely recognized as a critical enabler of digital financial inclusion, influencing users' willingness to adopt and continue using mobile banking, fintech platforms, and online financial services. Drawing from interdisciplinary sources, this review identifies the core drivers of trust-including institutional quality, technological security, and user experience-as well as key barriers such as digital illiteracy, fraud concerns, and weak regulatory enforcement. The review also highlights emerging patterns across regions and proposes a research agenda to address gaps in understanding how trust dynamics vary culturally, institutionally, and technologically. This synthesis aims to inform both scholars and policymakers seeking to design effective strategies for inclusive digital finance.

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Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2025-05-31
DOI
https://doi.org/10.5281/zenodo.17358897
Primary Topic
FinTech, Crowdfunding, Digital Finance
Type
article
Field-Weighted Citation Impact
0.00
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article

Trust in digital banking: a thematic review of drivers, barriers and emerging evidence in developing countries

Zenodo (CERN European Organization for Nuclear Research)
FinTech, Crowdfunding, Digital Finance
article

Trust in digital banking: a thematic review of drivers, barriers and emerging evidence in developing countries

article en

Abstract

This article presents a thematic review of the growing body of literature on trust in digital banking within the context of developing countries. Trust is widely recognized as a critical enabler of digital financial inclusion, influencing users' willingness to adopt and continue using mobile banking, fintech platforms, and online financial services. Drawing from interdisciplinary sources, this review identifies the core drivers of trust-including institutional quality, technological security, and user experience-as well as key barriers such as digital illiteracy, fraud concerns, and weak regulatory enforcement. The review also highlights emerging patterns across regions and proposes a research agenda to address gaps in understanding how trust dynamics vary culturally, institutionally, and technologically. This synthesis aims to inform both scholars and policymakers seeking to design effective strategies for inclusive digital finance.

Zenodo (CERN European Organization for Nuclear Research)
Centro Científico Tecnológico - Córdoba (AR)
Reduced inequalities
Openalex Percentile: Top 33%
FinTech, Crowdfunding, Digital Finance
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