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@article{192255,
        author = {Dr. Sweta Savaliya and Dr. Vishal Khasgiwala},
        title = {Key Factors Influencing E-banking in India: A Comparative Analysis of Public and Private Sector Banks},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {9},
        pages = {774-786},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=192255},
        abstract = {The fast expansion of fintech and the widespread use of Smartphone have accelerated digital banking adoption in India, offering users enhanced convenience and transforming the nation's financial landscape. This study analyses factors affecting the adoption of E-banking services across selected public and private sector banks in India’s Saurashtra region. An organised questionnaire was given to account holders from two private sector banks (ICICI and HDFC) and two public sector banks (SBI and BOI), for 160 participants. Our analysis identified that usability, security, and technological sophistication are significant drivers of customer satisfaction, with factor analysis confirming these components' substantial influence. Findings indicate no notable differences in customer perception based on gender or location, suggesting a broad-based acceptance of E-banking services across diverse demographics.},
        keywords = {E-banking, Tech-savvy, Digital infrastructure, Seamless digital service delivery, Fintech, Digital banking adoption},
        month = {February},
        }