Smart Banking App Adoption: Key Influences in Developing Countries with Rapid Tech Change

Md. Khashrul Alam; Tarun Kanti Bose; Maliha Kabir Peulee

doi:10.53808/KUS.2025.22.02.1297-mb

Authors

Md. Khashrul Alam Business Administration Discipline, Khulna University, Khulna-9208, Bangladesh
Tarun Kanti Bose Business Administration Discipline, Khulna University, Khulna-9208, Bangladesh
Maliha Kabir Peulee Business Administration Discipline, Khulna University, Khulna-9208, Bangladesh

DOI:

https://doi.org/10.53808/KUS.2025.22.02.1297-mb

Keywords:

Smart Banking App; Adoption Intention; UTAUT Model; Performance Expectancy; Effort Expectancy; Social Influences; Facilitating Conditions; Price Value; Trust.

Abstract

This study was intended towards analyzing the application of smart banking apps among banking customers and identifying the key factors influencing this adoption. Quantitative data were collected with close ended questionnaire. Variables were identified from concerned theoretical framework. A convenience sampling technique was employed, distributing questionnaires to 200 respondents. Various statistical tools and techniques were utilized to analyze the data. The main results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, price value, and trust are key factors influencing the use of smart banking apps. Additionally, the two most significant factors determining whether a consumer will use smart banking application services are effort expectancy and trust. Banks can gain valuable insights from this study regarding the variables that influence consumer acceptance and utilization of smart banking applications. Recognizing the key factors that impact user adoption and usage is essential for effectively designing, developing, implementing, and improving smart banking app services.

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