📄 Abstract
The rapid evolution of digital financial services has transformed the banking landscape, with payments banks emerging as a key player in enhancing financial inclusion. This review study examines the factors influencing the adoption of payments bank services and their impact on consumer behavior. Drawing upon existing literature, the study identifies critical determinants such as perceived ease of use, trust, security, convenience, and awareness that shape consumers’ decisions to adopt payments bank services. Additionally, the study explores behavioral patterns, preferences, and barriers faced by consumers in engaging with these services. By synthesizing prior research, this review provides insights for policymakers, financial institutions, and marketers to design strategies that enhance adoption rates and optimize user experience in the payments banking sector. The findings underscore the importance of aligning technological innovations with consumer expectations to foster a sustainable digital banking ecosystem.
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📚 How to Cite:
Ashok Kumar Pandey, Dr. Sayak Gupta , FACTORS INFLUENCING THE ADOPTION OF PAYMENTS BANK SERVICES AND CONSUMER BEHAVIOR: A REVIEW STUDY , Volume 11 , Issue 6, June 2026, EPRA International Journal of Research & Development (IJRD) , Pages: 224 - 227 , DOI: https://doi.org/10.36713/epra30491