Published Online:July 2026
Product Name:The IUP Journal of Accounting Research & Audit Practices
Product Type:Article
Product Code:IJARAP120726
DOI:10.71329/IUPJARAP/2026.25.3.212-221
Author Name:Krishna Ashutoshbhai Vyas
Availability:YES
Subject/Domain:Finance
Download Format:PDF
Pages:212-221
Digital banking innovations have transformed customer access to financial services, making banking faster, more convenient, and more customercentric. In India, private and small finance banks play a key role in providing diversified financial services. Despite national-level research on digital banking adoption (DBA), limited attention has been given to regional differences, particularly in Gujarat, where demographic patterns, income levels, and digital literacy may differ from metropolitan areas. Understanding customer preferences, service quality (SQ) perceptions, and adoption behaviors in this region is crucial for banks seeking to tailor strategies for local population. This study addresses this gap by examining differences in DBA, SQ, and banking preferences between private and small finance bank customers in Gujarat.