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The aim of this study is to explore the influence the digital wallets on digital banking experience of the bank customers. The study used e-wallet literacy scale constructs as independent variables and digital banking experience as dependent variable in order to identify the impact of digital wallets on digital baking experience of the bank customers. The primary data was collected from 300 bank customers who are using the digital wallet provided by the bank or any other third-party digital wallet. Structure equation modeling was executed to explore the influence of digital wallets on digital banking experience. The results indicate that Purchase Transactions (PT) and Investment Transactions (IT) are having high influence on digital banking experience followed by Fund Transfer Transactions (FTP), Method of Payment (MOP) having moderate impact, and finally, Credit Payment Transactions (CPT) and Bill Payment Transactions (BPT) are having low influence on digital banking experience.

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Impact of Digital Wallets Usage on Digital Banking Experience

  • 会议论文

  • 发表日期：

    2025年

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  • V. V. Devi Prasad Kotni,
  • Mahendra Reddy Bogala,
  • Gowri Lakshmi Vanapalli,
  • Rajesh Vemula,
  • Somasekhar Nitcherla,
  • K. V. Nagaraj

摘要

The aim of this study is to explore the influence the digital wallets on digital banking experience of the bank customers. The study used e-wallet literacy scale constructs as independent variables and digital banking experience as dependent variable in order to identify the impact of digital wallets on digital baking experience of the bank customers. The primary data was collected from 300 bank customers who are using the digital wallet provided by the bank or any other third-party digital wallet. Structure equation modeling was executed to explore the influence of digital wallets on digital banking experience. The results indicate that Purchase Transactions (PT) and Investment Transactions (IT) are having high influence on digital banking experience followed by Fund Transfer Transactions (FTP), Method of Payment (MOP) having moderate impact, and finally, Credit Payment Transactions (CPT) and Bill Payment Transactions (BPT) are having low influence on digital banking experience.