Unfolding factors behind internet-banking adoption in Bangladesh: An extension of UTAUT2 with perceived security and trust

Over the last decade, Internet banking is making its own acceptance worldwide including both economically stable as well in developing countries. Though an ample amount of research on (IB) adoption accessible developed countries and some countries, it scant Bangladesh. Therefore, aim this study to analyze predictors that influences customers IB Incorporating two external variables, namely perceived technology security (PTS) trust with UTAUT2, a survey questionnaire was distributed among Bangladeshi using online platforms. Using convenience sampling method nonprobability technique, total 280 responses were gathered analyzed following PLS-SEM strategy. This revealed PTS, performance expectancy, trust, effort expectancy (EE), social influence (SI), facilitating conditions (FC), price value (PV), hedonic motivation (HM) have significant Bangladesh context while habit (HT) has found insignificant. Further, we investigated gender differences between relationships exogenous endogenous constructs PLS-MGA (multi-group-analysis), HT, PV, EE, FC are for female whereas SI, PE male respondents. Gender also moderates HT adoption, and, adoption. contributes literature offers valuable implications Banks country increase