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Digital Banking Acceptance in Gen X Citizens of Urban India

This paper examines how Generation X in urban India adapts to digital banking. Although digital transactions are growing, this generation faces challenges in embracing these technologies. The study, based on a survey of 17 individuals, finds that while they regularly engage in financial activities, many still prefer traditional banking due to concerns over security and usability of digital platforms. However, there's a general optimism about the future of digital banking. The study's results are used to explore ways to make digital banking more accessible to this demographic.
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Digital Banking Acceptance in Gen X Citizens of Urban India

  • DOI: https://doi.org/10.22533/at.ed.63224130513

  • Palavras-chave: Elderly, Seniors, Gen X, Digital Banking, Electronic Payments, Banking Experience, Accessibility, Challenges

  • Keywords: Elderly, Seniors, Gen X, Digital Banking, Electronic Payments, Banking Experience, Accessibility, Challenges

  • Abstract: Globally, the banking industry has been embracing digital technology. However, acceptance of new technology is complicated for Gen X citizens. This paper focuses on Gen X citizens' banking experiences in urban India, where digital transactions are increasing. This study aims to understand their challenges in adapting to this digital development. With the help of a survey of 17 Gen X citizens of urban India, the findings demonstrate that Gen X citizens routinely perform financial activities. Despite long waiting durations in conventional banking methods, only some people use digital platforms for banking activities. A couple of their key concerns are security and usability. However, the survey reveals that most are still optimistic about digital banking platforms such as applications and virtual banks. The findings from this study are used to discuss the design potential for increasing the accessibility of banking for Gen X citizens of urban India.

  • Tapan Soni
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