📄 Abstract
Digital banking has become an important part of the modern banking system because it allows customers to access banking services quickly and conveniently without visiting a bank branch. Services such as internet banking, mobile banking, Unified Payments Interface (UPI), debit cards, credit cards, Automated Teller Machines (ATMs), mobile wallets and QR-code payments have changed the way customers conduct financial transactions. The present study examines the adoption of digital banking products and services, customers’ security practices and the challenges experienced while using digital banking services in Ballari District. The study adopted a descriptive research design. Primary data were collected from customers through a structured questionnaire, while secondary information was obtained from books, journals, research articles, RBI publications, bank reports and reliable websites. The study used convenience sampling with a sample size of 102 respondents. Percentage analysis, mean, standard deviation, ANOVA and Chi-square tests were used for analysing the data. Microsoft Excel and SPSS were used for data analysis. The findings indicate that respondents generally have a positive opinion about digital banking. Digital banking is considered useful because it saves time, reduces visits to bank branches and provides faster transactions. Customers also reported awareness of security practices such as maintaining password and PIN confidentiality, checking transaction details and using OTP and security alerts. At the same time, cyber fraud, phishing, hacking, poor internet connectivity, server problems and technical failures continue to create concerns among customers. The study concludes that digital banking has become an essential part of banking in Ballari District. Banks need to strengthen cybersecurity, improve customer awareness, upgrade digital banking applications, provide faster customer support and improve digital infrastructure. These measures can increase customer confidence and encourage wider adoption of digital banking services.
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📚 How to Cite:
Nandini M, Nagaraj Chippolu , ADOPTION, SECURITY PRACTICES, AND CHALLENGES OF DIGITAL BANKING PRODUCTS AND SERVICES: A STUDY WITH REFERENCE TO BALLARI DISTRICT , Volume 13 , Issue 8, August 2026, EPRA International Journal of Economics, Business and Management Studies (EBMS) , Pages: 167 - 173 ,