ISSN2320-2882
Impact Factor9.17
UGC ParametersAligned
Low Cost₹1501 / $59
CrossRefDOI
ESTD2013
Peer ReviewTransparent
AccessOpen
Submission: Always Open
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.
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IJCRT — journal style
"DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.13, Issue 10, page no.b579-b584, October 2025, Available :https://ijcrt.org/papers/IJCRT2510194.pdf
APA — 7th edition
Sivaranjani, S., & Ramu, G. (2025). DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER. International Journal of Creative Research Thoughts, 13(10), b579-b584. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194
MLA — 9th edition
Sivaranjani, S., and G Ramu. "DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER." International Journal of Creative Research Thoughts, vol. 13, no. 10, 2025, pp. b579-b584, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194.
Chicago — 17th, bibliography
Sivaranjani, S., and G Ramu. "DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER." International Journal of Creative Research Thoughts 13, no. 10 (2025): b579-b584. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194.
Harvard — author–date
Sivaranjani, S. and Ramu, G. (2025) 'DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER', International Journal of Creative Research Thoughts, 13(10), pp. b579-b584. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194
IEEE — numbered reference
S. Sivaranjani and G. Ramu, "DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER," IJCRT, vol. 13, no. 10, pp. b579-b584, Oct. 2025.
Vancouver — biomedical
Sivaranjani S, Ramu G. DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER. IJCRT. 2025 Oct;13(10):b579-b584.
AMA — 11th edition
Sivaranjani S, Ramu G. DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER. IJCRT. 2025;13(10):b579-b584. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2510194,
author = {S. Sivaranjani and G Ramu},
title = {DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER},
journal = {International Journal of Creative Research Thoughts},
volume = {13},
number = {10},
pages = {b579-b584},
year = {2025},
month = {October},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Sivaranjani, S.
AU - Ramu, G
TI - DIGITAL BANKING ADOPTION PROCESS BY RURAL CUSTOMER
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 13
IS - 10
PY - 2025
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194
SP - b579-b584
ER -
Issue
Volume 13 Issue 10,
October-2025
Pages : b579-b584
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 13, Issue 10, October 2025
- Pages
- b579-b584
- Published
- October 2025
- Registration ID
- IJCRT_294641
- Published Paper ID
- IJCRT2510194
- Research Area
- Commerce All
- Author Type
- Indian Author
- Location
- Thanjavur, Tamil Nadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 227
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510194
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2510194.pdf
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