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Digital transformation in the Banking Sector in Portugal: Exploring factors influencing Digital Banking Adoption
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| 1.31 MB | Adobe PDF |
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Orientador(es)
Resumo(s)
Digital banks have been at the forefront of technological innovation in the finance sector,
transforming operations and reshaping industry behavior. With consumers exponentially
adopting this technology, the impact of digital banking on financial services has become
increasingly significant, driving unprecedented changes in customer interaction and service
delivery. This study, conducted through an online questionnaire, identifies factors influencing
the adoption of digital banks. The findings reveal that younger individuals are primary
adopters of digital banking, while older generations show significantly lower adoption rates,
highlighting the need for targeted strategies to foster growth in this demographic. Key factors
influencing digital banking adoption include perceived innovativeness, trust, service quality,
perceived relative advantage over traditional banks, and perceived security. Interestingly,
perceived ease of use and features of banking applications do not significantly impact
adoption rates. This suggests that enhancing trust, service quality, and security is crucial for
promoting wider adoption. Overall, this study offers crucial insights into the drivers of digital
banking adoption and identifies avenues for future research and strategic development,
recommending targeted efforts towards older age groups and emphasizing influential factors
to enhance user acceptance and adoption rates effectively.
Descrição
Dissertation presented as the partial requirement for obtaining a Master's degree in Statistics and Information Management, specialization in Risk Analysis and Management
Palavras-chave
Digital Banking Customer Experience Technology Adoption Financial Sector Fintech SDG 8 - Decent work and economic growth SDG 9 - Industry, innovation and infrastructure SDG 10 - Reduced inequalities SDG 11 - Sustainable cities and communities SDG 16 - Peace, justice and strong institutions SDG 17 - Partnerships for the goals