Consumer perception towards the usage of digital banking in nepal

Abstract

This study analyzes the consumer perception towards the usage of digital banking in Nepal. The primary data was gathered from the samples using purposive sampling of commercial banks in Nepal. This study has followed descriptive and causal relationship research design to assess the factors affecting consumer perception and to analyze the impact of those factors on use of digital banking in commercial bank; and has used descriptive analysis, coefficient of correlation analysis and multiple regression models using SPSS version 25. The study stated that the major factors are transaction speed, compatibility, connectivity, security and convenience and benefits affecting usage of digital banking services. The coefficient of correlation examined that the transaction speed, compatibility, connectivity, security and convenience and benefits have significant positive relation with use of digital banking services. The multiple regressions revealed that transaction speed, compatibility, connectivity, security and convenience and benefits have significant positive impact on usage of digital banking within the context of this study. Key Words: Consumer perception, Finance, Digital banking, Nepal