Conference
Blockchain Adoption in Indian Banks: An Empirical Study on Employee Perceptions and Adoption Drivers.
| Τίτλος: | Blockchain Adoption in Indian Banks: An Empirical Study on Employee Perceptions and Adoption Drivers. |
|---|---|
| Συγγραφείς: | Sharma, Aakansha1, Neeraj2 |
| Πηγή: | Advances in Consumer Research. Jul2026, Vol. 3 Issue 7, p356-364. 9p. |
| Θεματικοί όροι: | *Blockchains, *Innovation adoption, *Banking industry, *Economic efficiency, Technology Acceptance Model, Employee psychology |
| Περίληψη: | Blockchain is a transformative distributed ledger technology that enables asset trading without intermediaries, such as banks or shared economy platforms. It operates on a decentralized network secured through cryptography and relies on consensus mechanisms. The Technology Acceptance Model (TAM) has been widely used to assess the adoption of new technologies, primarily through two cognitive beliefs: perceived usefulness and perceived ease of use. However, these factors alone may not fully explain user behaviour regarding emerging technologies like blockchain. Therefore, this study integrates the TAM model with additional factors perceived security, perceived risk, trust, perceived strategic value, and cost-saving to develop a more comprehensive adoption model. This research specifically examines whether these factors influence the willingness of banking employees to adopt blockchain technology. Given that many bank employees, particularly older ones, may resist new technologies, the study seeks to evaluate innovation adoption models within Indian banks. In addition to private sector banks like HDFC, ICICI, Kotak Mahindra, Axis, and IndusInd, it also focuses on public sector banks including Punjab National Bank (PNB), State Bank of India (SBI), Bank of Baroda, Canara Bank, and Union Bank. By examining blockchain's potential for online banking, this study seeks to close the knowledge gap on the technology's acceptance in banking and financial services. Assessing how employees' intentions to adopt blockchain technology are influenced by perceived ease of use, perceived utility, perceived security, perceived danger, trust, cost savings, and strategic value is the main goal. A quantitative research design was used, and 200 personnel from the public and private banking sectors participated in the survey. The empirical results, which were obtained using a multiple linear regression model, show that the adoption of blockchain technology in banking is highly influenced by perceived strategic value, perceived ease of use, perceived cost savings, and trust. [ABSTRACT FROM AUTHOR] |
| Copyright of Advances in Consumer Research is the property of Association for Consumer Research and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.) | |
| Βάση Δεδομένων: | Business Source Index |
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| Items | – Name: Title Label: Title Group: Ti Data: Blockchain Adoption in Indian Banks: An Empirical Study on Employee Perceptions and Adoption Drivers. – Name: Author Label: Authors Group: Au Data: <searchLink fieldCode="AR" term="%22Sharma%2C+Aakansha%22">Sharma, Aakansha</searchLink><relatesTo>1</relatesTo><br /><searchLink fieldCode="AR" term="%22Neeraj%22">Neeraj</searchLink><relatesTo>2</relatesTo> – Name: TitleSource Label: Source Group: Src Data: <searchLink fieldCode="JN" term="%22Advances+in+Consumer+Research%22">Advances in Consumer Research</searchLink>. Jul2026, Vol. 3 Issue 7, p356-364. 9p. – Name: Subject Label: Subject Terms Group: Su Data: *<searchLink fieldCode="DE" term="%22Blockchains%22">Blockchains</searchLink><br />*<searchLink fieldCode="DE" term="%22Innovation+adoption%22">Innovation adoption</searchLink><br />*<searchLink fieldCode="DE" term="%22Banking+industry%22">Banking industry</searchLink><br />*<searchLink fieldCode="DE" term="%22Economic+efficiency%22">Economic efficiency</searchLink><br /><searchLink fieldCode="DE" term="%22Technology+Acceptance+Model%22">Technology Acceptance Model</searchLink><br /><searchLink fieldCode="DE" term="%22Employee+psychology%22">Employee psychology</searchLink> – Name: Abstract Label: Abstract Group: Ab Data: Blockchain is a transformative distributed ledger technology that enables asset trading without intermediaries, such as banks or shared economy platforms. It operates on a decentralized network secured through cryptography and relies on consensus mechanisms. The Technology Acceptance Model (TAM) has been widely used to assess the adoption of new technologies, primarily through two cognitive beliefs: perceived usefulness and perceived ease of use. However, these factors alone may not fully explain user behaviour regarding emerging technologies like blockchain. Therefore, this study integrates the TAM model with additional factors perceived security, perceived risk, trust, perceived strategic value, and cost-saving to develop a more comprehensive adoption model. This research specifically examines whether these factors influence the willingness of banking employees to adopt blockchain technology. Given that many bank employees, particularly older ones, may resist new technologies, the study seeks to evaluate innovation adoption models within Indian banks. In addition to private sector banks like HDFC, ICICI, Kotak Mahindra, Axis, and IndusInd, it also focuses on public sector banks including Punjab National Bank (PNB), State Bank of India (SBI), Bank of Baroda, Canara Bank, and Union Bank. By examining blockchain's potential for online banking, this study seeks to close the knowledge gap on the technology's acceptance in banking and financial services. Assessing how employees' intentions to adopt blockchain technology are influenced by perceived ease of use, perceived utility, perceived security, perceived danger, trust, cost savings, and strategic value is the main goal. A quantitative research design was used, and 200 personnel from the public and private banking sectors participated in the survey. The empirical results, which were obtained using a multiple linear regression model, show that the adoption of blockchain technology in banking is highly influenced by perceived strategic value, perceived ease of use, perceived cost savings, and trust. [ABSTRACT FROM AUTHOR] – Name: AbstractSuppliedCopyright Label: Group: Ab Data: <i>Copyright of Advances in Consumer Research is the property of Association for Consumer Research and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.) |
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| RecordInfo | BibRecord: BibEntity: Languages: – Code: eng Text: English PhysicalDescription: Pagination: PageCount: 9 StartPage: 356 Subjects: – SubjectFull: Blockchains Type: general – SubjectFull: Innovation adoption Type: general – SubjectFull: Banking industry Type: general – SubjectFull: Economic efficiency Type: general – SubjectFull: Technology Acceptance Model Type: general – SubjectFull: Employee psychology Type: general Titles: – TitleFull: Blockchain Adoption in Indian Banks: An Empirical Study on Employee Perceptions and Adoption Drivers. Type: main BibRelationships: HasContributorRelationships: – PersonEntity: Name: NameFull: Sharma, Aakansha – PersonEntity: Name: NameFull: Neeraj IsPartOfRelationships: – BibEntity: Dates: – D: 01 M: 07 Text: Jul2026 Type: published Y: 2026 Identifiers: – Type: issn-print Value: 00989258 Numbering: – Type: volume Value: 3 – Type: issue Value: 7 Titles: – TitleFull: Advances in Consumer Research Type: main |
| ResultId | 1 |