Issue Details

Adoption and Challenges of Digital Banking: Customer Insights from Public and Private Banks in Bagalkot

ABSTRACT

The rapid growth of digital banking has transformed the financial landscape, offering customers convenience, efficiency, and enhanced financial management. This study explores the adoption of digital banking services among customers of public and private sector banks in Bagalkot, analyzing key factors influencing their usage and the challenges they face. Through a survey-based approach, the research identifies the primary drivers of digital banking adoption, including ease of access, security perceptions, and digital literacy. Additionally, it highlights challenges such as cybersecurity concerns, lack of technical awareness, and inconsistent digital infrastructure. The findings provide valuable insights for banks to enhance digital banking experiences and address barriers, ultimately promoting a more inclusive and efficient banking ecosystem.

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