PERCEPTION, CHALLENGES, AND ADOPTION INTENTIONS OF E-BANKING SERVICES AMONG WOMEN IN KARNATAKA

Abstract

The rapid growth of digital technology has transformed banking operations, giving rise to e-banking services that offer convenience and efficiency. However, the adoption of these services varies across demographic groups, particularly among women. This study explores the perception, challenges, and adoption intentions of e-banking services among women in Karnataka. It aims to understand how women perceive digital banking, the barriers they face, and the factors influencing their decision to adopt such services. Using a structured questionnaire and a sample size drawn from urban and semi-urban areas, the study reveals that while awareness and convenience are key drivers, challenges such as digital literacy, trust, and security concerns still hinder full adoption. The findings can assist banks and policymakers in designing more inclusive and user-friendly e-banking platforms for women.