Abstract

This study presents a systematic literature review (SLR) on the adoption of digital-only banking, emphasizing consumer trust and behavioral patterns. By analyzing empirical and conceptual studies, the review identifies key factors influencing consumers’ decisions to adopt digital-only banking services. Findings consistently highlight trust as a central determinant, shaping both customer engagement and spending behaviors. Other influential factors include perceived ease of use, security, service personalization, and technological innovations, which collectively impact the overall user experience in digital banking. The review also uncovers emerging trends in the digital banking landscape, such as increased digital interaction, integration of fintech solutions, and evolving customer expectations in the new economy. This synthesis not only contributes theoretically by consolidating existing evidence on consumer behavior in digital banking ecosystems but also provides practical insights for financial institutions. By understanding the drivers of adoption and engagement, banks can design strategies to enhance trust, improve customer experience, and foster loyalty in the rapidly transforming digital financial environment.