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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: May 2026
Volume 11 | Issue 5
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 11
Issue Published : 120
Article Submitted : 24204
Article Published : 9239
Total Authors : 24597
Total Reviewer : 847
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| Paper Title: | Factors Influencing Customer Adoption of Digital Banking: A Structured Exploration of Technology-Mediated E-Banking Acceptance |
| Authors Name: | Ambika T , Dr.S.Jeyalakshmi |
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IJRTI_212220
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| Published Paper Id: | IJRTI2604340 |
| Published In: | Volume 11 Issue 4, April-2026 |
| DOI: | |
| Abstract: | The proliferation of digital technologies has significantly transformed the banking landscape, enabling customers to access financial services through electronic platforms. Despite widespread availability, the adoption of digital banking services varies across user groups. This study explores the key factors influencing customer adoption of digital banking, with a structured focus on the elements shaping acceptance of technology-mediated e-banking services. Drawing upon established theoretical frameworks such as the Technology Acceptance Model (TAM) and Diffusion of Innovations (DOI), the study examines variables including perceived usefulness, ease of use, trust, security, social influence, and facilitating conditions. Using primary data collected through a structured questionnaire and analyzed using statistical tools, the findings reveal that perceived usefulness and trust are the most significant determinants of adoption. The study provides practical recommendations for enhancing customer acceptance of digital banking services. |
| Keywords: | Digital Banking, Technology Adoption, E-Banking, Customer Behavior, TAM, Trust, Security |
| Cite Article: | "Factors Influencing Customer Adoption of Digital Banking: A Structured Exploration of Technology-Mediated E-Banking Acceptance", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.11, Issue 4, page no.c564-c567, April-2026, Available :http://www.ijrti.org/papers/IJRTI2604340.pdf |
| Downloads: | 000205507 |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2604340
Registration ID:212220
Published In: Volume 11 Issue 4, April-2026
DOI (Digital Object Identifier):
Page No: c564-c567 Country: SALEM, Tamil Nadu, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2604340 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2604340 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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