• vidya M
• Shailashri V T

Objective: The banking sector in India has transformed itself to match the competitive business environment. Technological transformation has brought remarkable changes in the banking sector. Digital payment applications and opportunities are thrown by the digital economy in performing seamless financial transactions& its adoption in the everyday life of the retail business segment. Though digital payment system is massively used by the payment sector there are personal and demographical factors that influence the adoption & usage pattern among customers. The objective involves a literature review on digital banking and digital payment system adoption by people around the globe. The objective is also to construct a conceptual framework for reviewing various influencing factors in the adoption of digital payments in day to day life of retail customers of the bank. Also, recommend measures for motivating customers and making digital payments more secure and safer to meet customers' expectations. Methodology: An existing literature was systematically reviewed highlighting digital payment systems practiced by the customers of a bank using the keywords digital banking-banking, internet banking, digital payment, customer adoption, perception, and conceptual framework. in four search engines: ResearchGate, SSRN, Google Scholar, and Academia. The eligible articles were screened and studied thoroughly with the conceptual preparation of the study. ABCD analysis was used to construct a search proposal and study the adoption of a digital payment system. Results&Findings: Personal factors & demographic factors have been identified in the review process which is influencing the digital payment adoption by banking customers. The study shows several research gaps in the domain of the adoption of digital payment strategy and offered several recommendations as to how to improve the quantum of digital payment adoption by customers. Originality value: A clear picture of the adoption of the digital system for banking customers has been identified through systematic research. The study also discovered a link between customers and personal and demographic factors, as well as various measures to enhance the usage habits among customers. Implementing these measures will increase the number of customers thereby achieving a target of making India digitally strong and reaching the target of Digital India. Paper Type: Systematic Review Paper.

Digital banking, Internet Banking, Digital payment, customer adoption, perception, conceptual framework, ABCD analysis.

"A Systematic Review & Research Agenda of DIgital Payments and Customer Adoption Strategy in the realm of banking Transformation", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 3, page no.f749-f772, March-2023, Available :http://www.jetir.org/papers/JETIR2303600.pdf

"A Systematic Review & Research Agenda of DIgital Payments and Customer Adoption Strategy in the realm of banking Transformation", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 3, page no. ppf749-f772, March-2023, Available at : http://www.jetir.org/papers/JETIR2303600.pdf