Factors affecting green banking technology adoption in Bangladesh

Abstract

Green banking technology is a strategic instrument for promoting green finance and climate resilience in developing economies, particularly Bangladesh. This study examines the adoption of green banking technology in Bangladesh using an extended UTAUT model. It examines the main elements that affect consumer intention, such as system quality, bank reputation, customer awareness, performance and effort expectations, and individual innovativeness. PLS-SEM, or partial least squares-structural equation modeling, was used to analyze a survey with 475 respondents. The results show that while customer awareness, personal innovativeness, and bank reputation have a considerable impact on consumer intention, performance expectancy and effort expectancy have no significant effect. Actual usage behavior is highly predicted by behavioral intention. This study provides practical insights for financial institutions and governments looking to ensure the adoption of green banking as a means of achieving climate mitigation through digital transformation by coordinating its findings with Sustainable Development Goal 13 (Climate Action).

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