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

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.