Factors affecting adoption of electronic banking services for youth in Delhi

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Deepika Saxena, Amisha Gupta, Abhishek Goel, Aman Joshi, Gagan Chawla, Kaushik Arora


The rapid evolution of technology has significantly transformed the landscape of banking services, with electronic banking emerging as a prominent paradigm. This transformation has been fueled by the rapid evolution of technology, fundamentally altering the landscape of banking services. This study explores the multifaceted factors influencing the adoption of electronic banking services by youth which resides in the Delhi NCR region. The primary objective of the study is to analyze the relationship between the independent variables like Perceived Risk, User Interface and Usefulness and the dependent variable which includes the intention to use E-Banking services.  In this research causal study has been adopted because we want to understand the impact of the change in dependent variable due to change in independent variables. The data has been collected through primary sources using structured questionnaire with a sample size of 103 respondents which belong to the age group of 18-30 and resides in Delhi region. The data has been analyzed using statistical tests such as descriptive statistics and multiple regression. The findings state that "User interface" and "Usefulness" variables are significant predictors of the willingness to use e-banking services, while the "Risk associated with use of e-banking services" variable might not be a significant predictor.

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