Digital banking as a buffer between adoption, use, and effects on the digital economy

Hasman Hasyim, Sarika Keswani, Nasir Abdul Jalil, Gioia Arnone, Bestoon Abdulmaged Othman and Hashem Ali Almashaqbeh

International Journal of Electronic Finance, 2026, vol. 15, issue 3, 366-386

Abstract: Banking is one of the most important factors in economic development since banks directly touch the people and the country's economic concerns. As a result, banking institutions are considered one of the Indian economy's most significant pillars. The state's practically entire economy is now covered by the digital banking system as the banking industry's interactions with the people have become more digital. Massive advances in productivity, service quality, and reach show how digitisation has affected the global economy. The success of e-commerce is largely attributable to the phenomenal growth of numerous digital payment technologies, such as card processing technology solutions like card payments, e-cash, payment gateways, e-payments, smart cards, mobile money, wallets, etc. In this regard, it has been investigated how older banking clients' use of the service is impacted by their adoption of digital banking. Previous studies found that elderly people resisted digitisation owing to ignorance, a lack of understanding, a poor attitude caused by ignorance, etc. Many studies show that elderly people are more tech-savvy. This study examined how senior banking consumers accept digital banking. Effects of digital banking adoption have also been studied.

Keywords: digital banking; awareness on informal; computerisation; human resources; digital economy and digitalisation; financial results; COVID-19 epidemic; banking industry; information technology. (search for similar items in EconPapers)
Date: 2026
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