Developing a Hierarchical Model for the Drivers of Digital Banking – an Interpretive Structural Modelling Approach

Abstract In its resolve for digital banking, the researchers have developed various models like TAM, UTAUT 1 and UTAUT 2 which aim to identify the key drivers of digital banking. This study primarily intends to comprehend the significance of different drivers of digital banking by developing a hierarchical model of key drivers of digital banking. The hierarchical model is done using Interpretive Structural Modeling (ISM. The study comprises of the drivers that could be directly impacting the adoption of digital banking. These constructs have been categorized and mapped using driving power-dependence diagram.