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Three key factors perceived security, perceived utility, and perceived ease of use are examined in the current study in connection to employees’ adoption of blockchain technology, with a focus on cybersecurity challenges. This study uses the Technology Acceptance Model (TAM) to investigate if consumers are more likely to adopt blockchain technology if they think it is safe, user-friendly, and beneficial. Blockchain and other contemporary distributed ledger technologies enable online asset transactions without the involvement of banks or other financial institutions, posing both potential and cybersecurity challenges. As the technology’s final consumers, bank workers’ acceptance of blockchain is examined in this study. It is important to evaluate innovation adoption models driven by perceived security, usefulness, and usability because a sizable number of banking professionals are elderly and averse to technological change. Furthermore, a major factor in deciding whether financial institutions would use blockchain technology for safe online banking is cybersecurity issues. Although interest in blockchain’s applications in financial institutions is growing, few studies have looked closely at its adoption in the banking sector. This study aims to bridge that gap by evaluating the impact of perceived security, perceived benefit, perceived ease of use, and cybersecurity considerations on employees’ propensity to embrace blockchain technology. We used source data collected from public sector organizations like SBI, PNB, Bank of Baroda, Canara, and Union Bank to analyze 100 responses from 110 disseminated questionnaires. To assess hypotheses, multiple linear regression was used. The results show that while perceived utility has no discernible impact, perceived security and usability have a positive impact on blockchain adoption in the banking industry. Concerns about cybersecurity also continue to play a significant role in determining employees’ readiness to embrace blockchain technology for safe and robust financial transactions.

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Examining the Influence of Perceived Usefulness, Ease of Use, Security, and Cybersecurity on the Intention to Use Blockchain Technology in the Indian Banking Sector

  • 会议论文

  • 发表日期：

    2026年

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  • Aakansha Sharma,
  • Neeraj

摘要

Three key factors perceived security, perceived utility, and perceived ease of use are examined in the current study in connection to employees’ adoption of blockchain technology, with a focus on cybersecurity challenges. This study uses the Technology Acceptance Model (TAM) to investigate if consumers are more likely to adopt blockchain technology if they think it is safe, user-friendly, and beneficial. Blockchain and other contemporary distributed ledger technologies enable online asset transactions without the involvement of banks or other financial institutions, posing both potential and cybersecurity challenges. As the technology’s final consumers, bank workers’ acceptance of blockchain is examined in this study. It is important to evaluate innovation adoption models driven by perceived security, usefulness, and usability because a sizable number of banking professionals are elderly and averse to technological change. Furthermore, a major factor in deciding whether financial institutions would use blockchain technology for safe online banking is cybersecurity issues. Although interest in blockchain’s applications in financial institutions is growing, few studies have looked closely at its adoption in the banking sector. This study aims to bridge that gap by evaluating the impact of perceived security, perceived benefit, perceived ease of use, and cybersecurity considerations on employees’ propensity to embrace blockchain technology. We used source data collected from public sector organizations like SBI, PNB, Bank of Baroda, Canara, and Union Bank to analyze 100 responses from 110 disseminated questionnaires. To assess hypotheses, multiple linear regression was used. The results show that while perceived utility has no discernible impact, perceived security and usability have a positive impact on blockchain adoption in the banking industry. Concerns about cybersecurity also continue to play a significant role in determining employees’ readiness to embrace blockchain technology for safe and robust financial transactions.