Title: The impact of password management strategies on the adoption of digital services in India

Authors: Nitin Bansal; Mamta Pankaj Jain

Addresses: SBI School of Commerce and Banking, FMS WISDOM, Banasthali Vidyapith, Rajasthan, India ' NIIT University, Neemrana, Rajasthan, India

Abstract: A password is the first barrier to control unauthorised access. A strong password is essential to minimise the probabilities of unauthorised access and encourage the customers to go digital. Password management strategies assist the customers to design a safe, secure, and strong password. The objective of this research paper is 'to analyse the impact of password management strategies on the adoption of digital services in India'. To achieve this objective, the researcher has collected the primary data through a self-administered questionnaire on a five-point Likert scale from 498 respondents. Factor analysis has been used to extract the factors initially and then step-wise multiple linear regression is applied. The study results show that password management strategies have a highly significant impact on the adoption of digital services in India as password management strategies reduce the risk probabilities which encourage the customers to adopt digital services.

Keywords: password management; digital services; adoption; trust; risk; strong password; weak password; password creation guidelines; India.

DOI: 10.1504/IJBPM.2026.156107

International Journal of Business Performance Management, 2026 Vol.27 No.5, pp.574 - 594

Accepted: 30 Jan 2024
Published online: 04 Sep 2026 *

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