[29] DETERMINANTS OF NEO BANKING ADOPTION AND ITS IMPACT ON FINANCIAL WELL-BEING: AN APPLICATION OF THE TECHNOLOGY ACCEPTANCE MODEL

How to Cite the Article: Ritu Tuli & Natika Poddar (2026). Determinants of Neo Banking Adoption and Its Impact on Financial Well-Being: An Application of the Technology Acceptance Model. International Journal of Multidisciplinary Research & Reviews. 5(4). 354- 362. https://doi.org/10.56815/ijmrr.v5i4.2026.354-362

Authors

  • Ms. Ritu Tuli & Dr. Natika Poddar

Abstract

The fast growth of financial technology has changed the traditional banking
environment and introduced the concept of neo banking as a convenient and
efficient digital alternative. This research aims to investigate the factors that
affect the use of neo banking and determine its role in financial well-being.
The research design is a quantitative research design based on Structural
Equation Modeling (SEM). The results indicate that perceived ease of use,
perceived usefulness, and trust are significant predictors of neo banking
adoption with ease of use being the most significant predictor and adoptionitself having a significant positive effect on financial well-being. The
research has significant social implications as it shows that the more the neo
banking is adopted, the more financial literacy, better financial decision
making and general financial empowerment among educated professionals.

 



Keywords:

Neo Banking, Fintech, Technology Acceptance Model (TAM)

Author Biography

Ms. Ritu Tuli & Dr. Natika Poddar

Ms. Ritu Tuli, Research Scholar, St. Francis Institute of Management Studies and Research.
E-mail- ritutuli@gmail.com
Dr. Natika Poddar, Associate Professor, St. Francis Institute of Management Studies and Research.
E-mail- natika@sfimar.org

 

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