E-banking Security Features and their Impact on Customer Adoption of E-Banking Services: An empirical study using the UTAUT 2 model.

This study investigates the impact of digital banking security features on customer adoption of e-banking services. Using an extended UTAUT2 model, perceived security was included as a predictor of behavioral intention, and awareness of security features as a moderator between intention and actual use. A cross-sectional online survey of 209 Portuguese users was analyzed using partial least squares path modelling. The findings reveal that perceived security is a strong predictor of behavioral intention, while awareness moderates the intention–use relationship, showing that more aware users are less dependent on intention to transition to actual use.