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ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
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Published Paper Details:
Paper Title
DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER
Authors
S. Sivaranjani, G Ramu
Keywords
Social Norms , Digital banking, Facilitating Conditions
Abstract
Significant factors influencing the buying intention for digital banking include Performance Expectancy, indicating users adopt digital banking for performance improvement; Effort Expectancy, highlighting the importance of ease of use, particularly for less tech-savvy individuals; and Facilitating Conditions, where infrastructure like internet access supports adoption. Hedonic Motivation suggests that enjoyment from using apps affects engagement. Price Consideration plays a role, with users favoring cost-effective options. Conversely, Perceived Risk negatively impacts intent due to concerns over security, while Perceived Trust remains a strong positive predictor for user adoption. Notably, Social Norms do not significantly affect adoption, indicating a trend towards personal financial decisions over peer influence in Thiruvarur distrct.
IJCRT's Publication Details
Unique Identification Number - IJCRT2510194
Paper ID - 294641
Page Number(s) - b579-b584
Pubished in - Volume 13 | Issue 10 | October 2025
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Publisher Name - IJCRT | www.ijcrt.org | ISSN : 2320-2882
E-ISSN Number - 2320-2882
Cite this article
S. Sivaranjani, G Ramu, "DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 10, pp.b579-b584, October 2025, Available at :http://www.ijcrt.org/papers/IJCRT2510194.pdf
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Submit Manuscript Online Impact Factor: 7.97 Review Results : Within 02-03 Days Paper Publication : Within 02-03 Days
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
ISSN and 7.97 Impact Factor Details
ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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