...Aruna Jha; Anuj Bhatia; Charu Shri; Shashibala Rai Purpose The study examines factors influencing the adoption and usage of neobanking services by integrating the UTAUT2 framework with net valence theory and incorporating context-specific variables such as perceived risk, environmental...

.... Design/methodology/approach The theoretical framework presented in this study integrates the unified theory of technology acceptance and use (UTAUT) and its extension, the UTAUT2, with the stimulus-organism-response (S-O-R) model. Empirical data were quantitatively analyzed using SmartPLS 4. Findings...