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October 13, 2025SocioEconomic ChallengesOpen Access

Socio-Economic Challenges of Digital Banking Adoption: The Impact of Perceived Usefulness, Ease of Use, and Self-Efficacy

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All three perceptions—perceived usefulness, ease of use, and self-efficacy—significantly affect digital banking intention.
The study found perceived usefulness has the greatest impact on customers' intention to adopt digital banking.
Analysis utilized two regression models to understand the effects on digital banking behaviors in diverse socio-economic contexts.
Banks can enhance acceptance of digital services by addressing customer perceptions and simplifying interfaces to boost usage.

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Analysis reveals perceived usefulness and ease of use significantly influence digital banking adoption, highlighting socio-economic challenges.

Amit Hedau (2025) studied this question.

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Analysis reveals perceived usefulness and ease of use significantly influence digital banking adoption, highlighting socio-economic challenges.