ISSN2320-2882
Impact Factor9.17
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CrossRefDOI
ESTD2013
Peer ReviewTransparent
AccessOpen
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Paper Title
A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry.
Authors
Deepak prasad , Lilli Sharma , Piyush Sharma , Pankaj Rajput , Ayush Kumar
Keywords
Digital Banking, Cashless Transactions, Digital Payment Systems, Mobile Banking, FinTech, Consumer behavior, UPI
Abstract
Digital wallets, online banking, mobile banking, and the Unified Payments Interface (UPI) have all become more popular in India as a result of the fast development of digital technology, which has drastically changed the country's financial sector. With particular reference to platforms like Paytm, PhonePe, Google Pay, and other digital payment apps, this study investigates customer behavior toward digital banking solutions in Jaipur. The study's main goals are to determine the factors influencing consumer preference for digital banking, gauge customer satisfaction with digital banking services, and measure the degree of awareness and uptake of digital banking services. The research methodology used in this study combines qualitative and quantitative techniques. While secondary data came from research articles, journals, newspapers, and internet sources, primary data came from a survey that was administered to 200 respondents in several Jaipur areas. MS Excel was used to analyze the data using statistical techniques like frequency analysis, percentage approach, bar charts, and cross-tabulation. The results show that most respondents are aware of and actively utilize digital banking services because of its convenience, security, usability, and alluring incentives. Although some consumers are still affected by issues with digital literacy, security hazards, and technological accessibility, customer satisfaction levels were still found to be generally positive. The study concludes that digital banking has become an essential component of modern financial operations and highlights the importance of increasing consumer awareness, strengthening security measures, and improving customer service to encourage wider adoption of digital banking services.
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IJCRT — journal style
"A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry.", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 5, page no.d853-d860, May 2026, Available :https://ijcrt.org/papers/IJCRT2605451.pdf
APA — 7th edition
prasad, D., Sharma, L., Sharma, P., Rajput, P., & Kumar, A. (2026). A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry. International Journal of Creative Research Thoughts, 14(5), d853-d860. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451
MLA — 9th edition
prasad, Deepak, et al. "A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry." International Journal of Creative Research Thoughts, vol. 14, no. 5, 2026, pp. d853-d860, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451.
Chicago — 17th, bibliography
prasad, Deepak, et al. "A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry." International Journal of Creative Research Thoughts 14, no. 5 (2026): d853-d860. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451.
Harvard — author–date
prasad, D. et al. (2026) 'A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry', International Journal of Creative Research Thoughts, 14(5), pp. d853-d860. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451
IEEE — numbered reference
D. prasad, L. Sharma, P. Sharma, P. Rajput and A. Kumar, "A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry," IJCRT, vol. 14, no. 5, pp. d853-d860, May. 2026.
Vancouver — biomedical
prasad D, Sharma L, Sharma P, Rajput P, Kumar A. A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry. IJCRT. 2026 May;14(5):d853-d860.
AMA — 11th edition
prasad D, Sharma L, Sharma P, Rajput P, Kumar A. A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry. IJCRT. 2026;14(5):d853-d860. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2605451,
author = {Deepak prasad and Lilli Sharma and Piyush Sharma and Pankaj Rajput and Ayush Kumar},
title = {A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry.},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {5},
pages = {d853-d860},
year = {2026},
month = {May},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - prasad, Deepak
AU - Sharma, Lilli
AU - Sharma, Piyush
AU - Rajput, Pankaj
AU - Kumar, Ayush
TI - A Study Of Consumer Behaviour Towards The Digitalization Of The Banking Industry.
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 5
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451
SP - d853-d860
ER -
Issue
Volume 14 Issue 5,
May-2026
Pages : d853-d860
Article Information
- Pages
- d853-d860
- Published
- May 2026
- Registration ID
- IJCRT_308207
- Published Paper ID
- IJCRT2605451
- Research Area
- Commerce and Management, MBA All Branch
- Author Type
- Indian Author
- Location
- Jaipur, Rajasthan, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 138
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605451
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2605451.pdf
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