Exploring Blockchain Adoption in Banking: a Tam-based Study of Employee Perceptions Across the Banking Sector in Delhi
Year: 2026
Type: article
Study design: Observational Study
Abstract: This study aims to examine the perception of employees on blockchain technology use in public and private sector banks in Delhi, applying an extended Technology Acceptance Model (TAM). The research aims to examine the determinants influencing adoption intention. The model includes constructs of relative advantage, competitive pressure, employee knowledge, perceived cost, perceived compatibility, PEOU, and perception to investigate their effects on behavioural intention. Data were collected from 500 workers of both public and commercial banks using a structured questionnaire, and PLS-SEM was used for analysis. The conclusions of the study demonstrate that perceptions of employees on blockchain are significantly improved by perceived compatibility, perceived cost, and understanding. However, the findings suggested that perceived ease of use was not significantly impacted by competitive pressure or relative advantage because adoption seems to be more strongly influenced by internal organizational preparation and employee understanding than by external forces. The findings have practical implications for banks implementing blockchain, emphasize the importance of educating employees, and linking technological innovations to current systems. This research contributes to the already established literature and understanding based on digital transformation in the realm of banking and provides an effective framework for managing the adoption of blockchain.
DOI: 10.69980/edpb8235
Authors: Jyoti Yadav, Dr. Pinki Rani
Institution: Indira Gandhi University, Meerpur
Language: English
Subfield: Information Systems and Management
Field: Decision Sciences
Domain: Social Sciences
Open Access status: gold
OpenAlex ID: W7204858993