Rien Camille A. Rona | Donabel A. Asuncion |
May 20, 2026
This study examined the behavioral factors influencing digital banking adoption among bank clients in selected semi-urban barangays of Antipolo City. Anchored on the modified unified theory of acceptance and use of technology 2 (UTAUT2), the research incorporated two additional constructs: trust and perceived risk to better capture localized behavioral dynamics. A quantitative descriptive-correlational research design was employed, involving 404 respondents selected through stratified sampling. Data was gathered using structured online questionnaires and analyzed through JAMOVI software using various relevant inferential statistics such as Pearson r coefficient, linear regression, and analysis of variance (ANOVA). Results revealed that effort expectancy, trust, and performance expectancy were the strongest predictors of behavioral intention to adopt digital banking, while perceived risk exhibited a slight but negative influence. Demographic factors such as age, income, and education significantly affected adoption levels, whereas years of digital banking experience did not. Findings indicate that user-friendly systems, data security, and perceived utility enhance digital banking acceptance in semi-urban areas. Therefore, this study concludes that technology adoption is behaviorally influenced by convenience, efficiency, society, stable digital infrastructure, trust, and minimized risks. A community-based development plan is proposed to promote inclusive digital banking practices through education and infrastructure support. The results contribute to the growing body of knowledge on financial technology adoption in developing economies and provide practical insights for banks, policymakers, and fintech developers aiming to enhance digital financial inclusion in the Philippines.