Exploring e-banking services: A comprehensive analysis

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This observational analysis explores e-banking adoption in Albania, highlighting digital literacy and trust issues.

Adoption of online banking is positively correlated with increased service usage, indicating user engagement.
Key determinants include education, income levels, and trust, emphasizing their roles in e-banking adoption.
Correlation and regression analyses reveal security concerns and digital literacy challenges impact adoption rates.
The research provides strategic recommendations for banks to improve service delivery and expand financial inclusion.

Duçi et al. (2025) studied this question.

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