• AMRUTHA SANTHOSH
• DR. SANDEEP KUMAR

The objective of the study was to evaluate customer happiness with “digital banking services” in Kochi, with a specific focus on identifying the elements that influence overall contentment. The financial sector has been revolutionized by digital banking, which has improved ease and accessibility. However, user acceptance of digital banking differs depending on demographic and technological factors. The usage of electronic banking products in Kochi was investigated in relation to age, educational attainment, and technical proficiency., a city characterized by increasing internet usage and a varied population. Correlates and regression analyses were used in the research to look into the associations between these characteristics and customer satisfaction. The findings indicated that those with more technological experience were more likely to use digital banking, showing a strong positive relationship. “On the other hand,”, age was shown that they had a bad correlate with digital banking adoption. There was a favourable correlation between income and education and adoption. The findings provide financial organizations with useful information to enhance their online banking capabilities and increase consumer satisfaction.

Digital banking, customer satisfaction, technological competence, age, income, education, Kochi

"FACTORS INFLUENCING CUSTOMER ADOPTION OF DIGITAL BANKING SERVICES IN KOCHI", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 10, page no.b828-b832, October-2026, Available :http://www.jetir.org/papers/JETIR2610184.pdf

"FACTORS INFLUENCING CUSTOMER ADOPTION OF DIGITAL BANKING SERVICES IN KOCHI", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 10, page no. ppb828-b832, October-2026, Available at : http://www.jetir.org/papers/JETIR2610184.pdf