Digital Banking Adoption and Customer Perception: Evidence from Public and Private Sector Banks in Bagalkot
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Abstract
This study investigates the determinants of digital banking adoption and customer perception among public and private sector bank customers in Bagalkot, Karnataka. Using a sample of 384 respondents drawn equally from State Bank of India, Punjab National Bank, HDFC Bank, and ICICI Bank, the research employs correlation analysis and multiple regression techniques to identify key factors influencing digital banking acceptance. Findings reveal significant differences in adoption patterns between public and private sector bank customers, with perceived usefulness, security concerns, and technological readiness emerging as primary determinants. The study contributes empirical evidence from a tier-2 Indian city context, offering implications for bank management and policy formulation.
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