A STUDY ON CONSUMER PERFORMANCE TOWARDS THE RISE OF DIGITAL BANKING FROM CASH TO CODE THOOTHUKUDI DISTRICT.

Abstract [English]

The rapid growth of digital banking has revolutionized the financial services industry by offering consumers an easier, faster, and more accessible way to manage their finances. This study investigates consumer perceptions toward the adoption of digital banking platforms, focusing on various aspects such as usage levels, satisfaction, perceived convenience, and performance. With the shift from traditional cash transactions to digital modes of payment, understanding the challenges, preferences, and expectations of consumers becomes essential. Data was collected from 129 respondents of diverse age groups, income levels, and genders. The study identifies key drivers of adoption, such as ease of use, performance reliability, and satisfaction, while also addressing barriers like security concerns and limited digital literacy. The insights gained from this research aim to assist financial institutions in enhancing user experiences and increasing the adoption rate of digital banking solutions.