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The adoption of e-banking services is increasingly prevalent in modern banking, yet security concerns pose significant barriers to customer acceptance and utilization.This study explores the impact of security apprehensions on customers' willingness to adopt e-banking services, delving into the intricate relationship between perceived security risks, trust, and adoption behaviors.Through a mixed-methods approach, blending qualitative interviews and quantitative surveys, this research investigates the nuanced dimensions of security concerns in the context of e-banking.Qualitative insights reveal the multifaceted nature of security apprehensions, uncovering underlying anxieties and risk perceptions among e-banking users.Concurrently, quantitative analysis provides statistical rigor in assessing the impact of security concerns on adoption intentions, elucidating the mediating role of trust.Findings from this study contribute both theoretically and practically, offering insights into factors shaping e-banking adoption.By addressing security concerns as a critical determinant, financial institutions can enhance trust and confidence among customers, fostering greater acceptance and utilization of e-banking services.Practical implications derived from the research underscore the importance of robust security measures and transparent communication strategies in mitigating perceived risks and promoting e-banking adoption.In conclusion, this research underscores the imperative of addressing security concerns to propel the widespread adoption of e-banking services, driving the digital evolution of the banking sector in an era marked by technological advancements and changing consumer preferences.
Singh et al. (Sat,) studied this question.