This study aims to investigate the factors influencing the adoption of digital banking by retail banking customers. A theoretical model was developed based on an extended technology acceptance model to conceptualize the linkage among the factors impacting digital banking adoption. The primary data were acquired through a structured questionnaire from 200 customers. The multiple linear regression equation was used to analyse the relationship among six independent factors. The study revealed awareness, web features and perceived usefulness have significant positive influence on adoption of digital banking. The study is useful to plan and promote service model to enhance digital banking adoption.

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哪些因素推动了数字银行的采用？阿曼零售银行业视角的实证研究

本研究旨在调查影响零售银行客户采用数字银行的因素。在扩展的技术接受模型的基础上开发了一个理论模型，以概念化影响数字银行采用的因素之间的联系。通过结构化问卷调查从200个客户那里获取了主要数据。使用多元线性回归方程分析六个独立因素之间的关系。该研究表明，认知度，网络功能和感知的实用性对采用数字银行业务具有显着的积极影响。该研究对于计划和推广服务模型以增强数字银行的采用率非常有用。