Abstract:

Different businesses, including banking, have benefited greatly from technological advancements. As a result, banks have developed digital banking services for their clients. Despite the fact that digital banking services might provide convenience to users, some people refuse to utilise them, which has an impact on their utilisation. The major goal of this study is to look into the elements that influence how people use digital banking services. The study investigates how perceived ease of use, perceived utility, perceived security and trust, and perceived risk affect the use of digital banking services. A total of 150 questionnaires will be delivered to 150 participants. The convenience sampling approach is utilised to obtain information from respondents in this study since it is a quick and inexpensive method. The data will be analysed using the Statistical Package for the Social Sciences (SPSS) version 27. The outcome will be able to provide insight into how to increase the use of digital banking services in the banking industry. Perceived ease of use, perceived usefulness, perceived security and trust, and perceived risk are the criteria that have a major impact on the use of digital banking services, according to the findings. Overall, this research paints a clear picture of the factors that influence the use of digital banking services.