Title: Adoption of digital banking technologies by nascent entrepreneurs in the era of transformative business information systems

Authors: Mohammad Rashed Hasan Polas; Asghar Afshar Jahanshahi

Addresses: Department of Computer Science and Engineering, Sonargaon University (SU), 147/I, Green Road Panthapath, 1215, Dhaka, Bangladesh ' IPADE Business School, Calle Floresta 20, Claveria, Azcapotzalco, 02080 Ciudad de México, CDMX, Mexico

Abstract: Nascent entrepreneurs are those peoples who are in the early stage of starting a new business. In this study, the researchers attempted to determine what factors trigger a nascent entrepreneur to adopt digital banking technologies (applications and services)? To answer this question, this research tested the direct relationship between perceived security factors, the internet experience factors, and marketing exposure factors with nascent entrepreneur's adoption of digital banking technology. Moreover, we tested the indirect effects of these three factors with entrepreneur's adoption of digital banking technology through perceived usefulness. The study hypotheses were tested using a sample of 377 Bangladeshi nascent entrepreneurs who had participated in an entrepreneurship program and are in the process of starting a business. The findings revealed that nascent entrepreneurs with marketing exposure and perceived security are more likely to employ digital banking technology; perceived usefulness mediates the relationship between internet experience, and marketing exposure with adoption of digital banking technology.

Keywords: digital banking technologies; marketing exposure; nascent entrepreneurs; networking ability; perceived usefulness; perceived security.

DOI: 10.1504/IJBIS.2025.144381

International Journal of Business Information Systems, 2025 Vol.48 No.2, pp.200 - 222

Received: 21 May 2021
Accepted: 17 Jun 2021
Published online: 11 Feb 2025 *

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