The book explores how customers' perceptions influence their adoption and usage of digital banking services across different demographic profiles. It examines various dimensions of perceived risk-such as financial, security, privacy, and performance risks-as well as perceived rewards, including convenience, speed, cost-effectiveness, and accessibility. The study compares responses from customers of public and private sector banks, highlighting differences in trust, technological readiness, and satisfaction levels. The findings reveal that while rewards drive adoption, perceived...