• Nigar Dash
• Prof. Dr Kalyan Shankar Ray
• Dr M Sai Mohini

The banking industry's growing competitiveness has forced both new and established players to reconsider their sustainability. This study aimed to develop and validate the scale for measuring the digital adoption by customers of different banks in Odisha. The study followed the pilot study based on reliability and validity test through SPSS. Digital adoption in banks refers to the process of customers and employees embracing digital tools, services, and platforms for banking operations. It has become a key focus area for financial institutions as they aim to enhance customer experiences, improve operational efficiency, and stay competitive. Digital adoption in banking is not just a trend but a transformation that is reshaping the industry. Institutions that successfully navigate this change will secure their position as leaders in the future of finance. This study attempts to undertake a pilot study among the 47 customers of different banks in Odisha. Pilot study has been conducted along with reliability and validity test among the 47 respondents who are the customers of different banks of Odisha. The sample of the respondents were carefully also identified. The results indicate that the digital adoption questionnaire is a reliable and valid instrument for measuring the different dimensions. Understanding different aspects of digital adoption help the banks to retain and engage their customers.

Psychological contract, higher educational institutions, validity, reliability, Odisha

"Sustainable Transformation in banking: The development and validation of a digital adoption measurement scale of different banks in Odisha", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 3, page no.g483-g494, March-2025, Available :http://www.jetir.org/papers/JETIR2503658.pdf

"Sustainable Transformation in banking: The development and validation of a digital adoption measurement scale of different banks in Odisha", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 3, page no. ppg483-g494, March-2025, Available at : http://www.jetir.org/papers/JETIR2503658.pdf