Trends in the Literature About the Adoption of Digital Banking in Emerging Economies: A Bibliometric Analysis

Abstract

This study examines the trends in the literature about adopting digital banking in emerging economies. It is based on the concepts of digital transformation and technological adoption, which significantly impact the development of the banking industry. A quantitative approach was used through a bibliometric analysis using data from Scopus to achieve the objective. The search equation allowed 118 publications to be extracted and analyzed. The results show that digital banking in emerging countries is a growing field of research that has driven the introduction of new information technologies. The perceived usefulness of digital banking is a key factor in promoting its adoption in the market. Attributes such as security and trust were identified as affecting the level of user satisfaction. Most studies are based on technological adoption, where perceived risk, usefulness, and ease of use are key to understanding the intention to use these technologies. Some countries’ concerns about financial inclusion, cyber security, and trust in financial technology are evident. While digital banking has the potential to increase the coverage of financial services, there are concerns about cybersecurity risks and user data protection.