{"id":"https://openalex.org/W4392406779","doi":"https://doi.org/10.3126/bcj.v6i1.62573","title":"Customer Perception toward Digital Financial Services: A Case of Pokhara, Nepal","display_name":"Customer Perception toward Digital Financial Services: A Case of Pokhara, Nepal","publication_year":2023,"publication_date":"2023-12-31","ids":{"openalex":"https://openalex.org/W4392406779","doi":"https://doi.org/10.3126/bcj.v6i1.62573"},"language":"en","primary_location":{"id":"doi:10.3126/bcj.v6i1.62573","doi":"https://doi.org/10.3126/bcj.v6i1.62573","is_oa":true,"landing_page_url":"http://dx.doi.org/10.3126/bcj.v6i1.62573","pdf_url":"https://www.nepjol.info/index.php/bcj/article/download/62573/47247","source":{"id":"https://openalex.org/S4210211254","display_name":"Butwal Campus Journal","issn_l":"2594-3472","issn":["2594-3472"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Butwal Campus Journal","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://www.nepjol.info/index.php/bcj/article/download/62573/47247","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5018723366","display_name":"Bharat Ram Dhungana","orcid":"https://orcid.org/0000-0002-0728-1226","observed_orcids":["https://orcid.org/0000-0002-0728-1226"]},"institutions":[{"id":"https://openalex.org/I151104398","display_name":"Pokhara University","ror":"https://ror.org/02dayf324","country_code":"NP","type":"education","lineage":["https://openalex.org/I151104398"]}],"countries":["NP"],"is_corresponding":false,"raw_author_name":"Bharat Ram Dhungana","raw_affiliation_strings":["Associate Professor School of Business, Pokhara University, Pokhara, Nepal"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Associate Professor School of Business, Pokhara University, Pokhara, Nepal","institution_ids":["https://openalex.org/I151104398"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5110809508","display_name":"Amrit Adhikari","orcid":"https://orcid.org/0000-0002-5877-0951","observed_orcids":["https://orcid.org/0000-0002-5877-0951"]},"institutions":[{"id":"https://openalex.org/I151104398","display_name":"Pokhara University","ror":"https://ror.org/02dayf324","country_code":"NP","type":"education","lineage":["https://openalex.org/I151104398"]}],"countries":["NP"],"is_corresponding":false,"raw_author_name":"Amrit Adhikari","raw_affiliation_strings":["MBA Graduate, School of Business, Pokhara University, Pokhara, Nepal"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"MBA Graduate, School of Business, Pokhara University, Pokhara, Nepal","institution_ids":["https://openalex.org/I151104398"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5017522390","display_name":"Deepak Ojha","orcid":"https://orcid.org/0000-0001-8575-5530","observed_orcids":["https://orcid.org/0000-0001-8575-5530"]},"institutions":[{"id":"https://openalex.org/I151104398","display_name":"Pokhara University","ror":"https://ror.org/02dayf324","country_code":"NP","type":"education","lineage":["https://openalex.org/I151104398"]}],"countries":["NP"],"is_corresponding":false,"raw_author_name":"Deepak Ojha","raw_affiliation_strings":["Associate Professor School of Business, Pokhara University, Pokhara, Nepal"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Associate Professor School of Business, Pokhara University, Pokhara, Nepal","institution_ids":["https://openalex.org/I151104398"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5056683853","display_name":"Deepesh Ranabhat","orcid":"https://orcid.org/0000-0003-0503-1335","observed_orcids":["https://orcid.org/0000-0003-0503-1335"]},"institutions":[{"id":"https://openalex.org/I151104398","display_name":"Pokhara University","ror":"https://ror.org/02dayf324","country_code":"NP","type":"education","lineage":["https://openalex.org/I151104398"]}],"countries":["NP"],"is_corresponding":false,"raw_author_name":"Deepesh Ranabhat","raw_affiliation_strings":["Associate Professor School of Business, Pokhara University, Pokhara, Nepal"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Associate Professor School of Business, Pokhara University, Pokhara, Nepal","institution_ids":["https://openalex.org/I151104398"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5040444270","display_name":"Keshav Lamichhane","orcid":"https://orcid.org/0009-0007-2306-2879","observed_orcids":["https://orcid.org/0009-0007-2306-2879","https://orcid.org/0000-0002-7400-4202"]},"institutions":[{"id":"https://openalex.org/I151104398","display_name":"Pokhara University","ror":"https://ror.org/02dayf324","country_code":"NP","type":"education","lineage":["https://openalex.org/I151104398"]}],"countries":["NP"],"is_corresponding":false,"raw_author_name":"Keshav Lamichhane","raw_affiliation_strings":["Associate Professor School of Business, Pokhara University, Pokhara, Nepal"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Associate Professor School of Business, Pokhara University, Pokhara, Nepal","institution_ids":["https://openalex.org/I151104398"]}]},{"author_position":"last","author":{"id":null,"display_name":"Sujana Acharya","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I151104398","display_name":"Pokhara University","ror":"https://ror.org/02dayf324","country_code":"NP","type":"education","lineage":["https://openalex.org/I151104398"]}],"countries":["NP"],"is_corresponding":false,"raw_author_name":"Sujana Acharya","raw_affiliation_strings":["Associate Professor School of Business, Pokhara University, Pokhara, Nepal"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Associate Professor School of Business, Pokhara University, Pokhara, Nepal","institution_ids":["https://openalex.org/I151104398"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I151104398"],"apc_list":null,"apc_paid":null,"fwci":1.2653,"has_fulltext":true,"cited_by_count":12,"citation_normalized_percentile":{"value":0.81578005,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":95,"max":99},"biblio":{"volume":"6","issue":"1","first_page":"1","last_page":"11"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.7685999870300293,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.7685999870300293,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.12780000269412994,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.036400001496076584,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.8709999918937683},{"id":"https://openalex.org/keywords/consumer-perception","display_name":"consumer perception","score":0.9909999966621399},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.7590000033378601},{"id":"https://openalex.org/keywords/perceived-security","display_name":"perceived security","score":0.7289999723434448},{"id":"https://openalex.org/keywords/convenience","display_name":"convenience","score":0.9459999799728394},{"id":"https://openalex.org/keywords/adaptability","display_name":"adaptability","score":0.8489999771118164},{"id":"https://openalex.org/keywords/technology-adoption","display_name":"technology adoption","score":0.8519999980926514},{"id":"https://openalex.org/keywords/pokhara","display_name":"Pokhara","score":0.9020000100135803}],"concepts":[{"id":"https://openalex.org/C26760741","wikidata":"https://www.wikidata.org/wiki/Q160402","display_name":"Perception","level":2,"score":0.7014846205711365},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6492457389831543},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5462479591369629},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.35480237007141113},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3471795320510864},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.1751241385936737},{"id":"https://openalex.org/C169760540","wikidata":"https://www.wikidata.org/wiki/Q207011","display_name":"Neuroscience","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.3126/bcj.v6i1.62573","doi":"https://doi.org/10.3126/bcj.v6i1.62573","is_oa":true,"landing_page_url":"http://dx.doi.org/10.3126/bcj.v6i1.62573","pdf_url":"https://www.nepjol.info/index.php/bcj/article/download/62573/47247","source":{"id":"https://openalex.org/S4210211254","display_name":"Butwal Campus Journal","issn_l":"2594-3472","issn":["2594-3472"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Butwal Campus Journal","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.3126/bcj.v6i1.62573","doi":"https://doi.org/10.3126/bcj.v6i1.62573","is_oa":true,"landing_page_url":"http://dx.doi.org/10.3126/bcj.v6i1.62573","pdf_url":"https://www.nepjol.info/index.php/bcj/article/download/62573/47247","source":{"id":"https://openalex.org/S4210211254","display_name":"Butwal Campus Journal","issn_l":"2594-3472","issn":["2594-3472"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Butwal Campus Journal","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4392406779.pdf","grobid_xml":"https://content.openalex.org/works/W4392406779.grobid-xml"},"referenced_works_count":23,"referenced_works":["https://openalex.org/W2150482479","https://openalex.org/W2590404804","https://openalex.org/W2788597170","https://openalex.org/W2890440186","https://openalex.org/W2898399032","https://openalex.org/W2973338680","https://openalex.org/W3004624178","https://openalex.org/W3006782735","https://openalex.org/W3007967038","https://openalex.org/W3019927369","https://openalex.org/W3038345255","https://openalex.org/W3095351357","https://openalex.org/W3113957310","https://openalex.org/W3117487098","https://openalex.org/W3119168038","https://openalex.org/W3139975196","https://openalex.org/W3181836791","https://openalex.org/W3198683764","https://openalex.org/W4226061668","https://openalex.org/W4293577230","https://openalex.org/W4384343848","https://openalex.org/W4388573651","https://openalex.org/W4402504479"],"related_works":["https://openalex.org/W7108489325","https://openalex.org/W4406528095","https://openalex.org/W7162087523","https://openalex.org/W7130504155","https://openalex.org/W7220081365","https://openalex.org/W7222963265","https://openalex.org/W7152999687","https://openalex.org/W4407992732","https://openalex.org/W7171973114","https://openalex.org/W7140147669"],"abstract_inverted_index":{"The":[0,126,149],"banking":[1],"industry":[2],"is":[3,89],"undergoing":[4],"a":[5,13,28,84,99,103,134],"significant":[6,137],"digital":[7,10,79,140,164,182],"transformation,":[8],"embracing":[9],"finance":[11,43,183],"as":[12],"pivotal":[14],"aspect":[15],"of":[16,21,34,58,110,155,163],"the":[17,23,32,38,72,107,121,145,153,156,181],"financial":[18,24,35,49,51,165,173],"system.":[19],"Because":[20],"digitalization,":[22],"sector":[25],"has":[26],"seen":[27],"steady":[29],"evolution":[30],"in":[31,106,185],"provision":[33],"services":[36,166],"over":[37],"past":[39],"few":[40],"decades.":[41],"Digital":[42],"service":[44,176],"providers":[45,177],"offer":[46],"several":[47],"new":[48],"products,":[50],"businesses,":[52],"finance-related":[53],"software,":[54],"and":[55,61,70,114,131,136,161,175,188],"unique":[56],"modes":[57],"client":[59],"communication":[60],"interaction.":[62],"This":[63,81],"study":[64,82,127],"aims":[65],"to":[66,119,152,179],"assess":[67],"customer":[68,159],"perceptions":[69,160],"identify":[71],"key":[73],"factors":[74,157],"influencing":[75,158],"their":[76],"views":[77],"on":[78,91,139],"finance.":[80],"followed":[83],"quantitative":[85],"research":[86],"design.":[87],"It":[88],"based":[90],"primary":[92],"data":[93,122],"collected":[94],"from":[95],"211":[96],"respondents":[97],"through":[98],"field":[100],"survey":[101],"using":[102,123],"researcher-administered":[104],"questionnaire":[105],"Pokhara":[108],"Valley":[109],"Nepal.":[111],"Descriptive":[112],"statistics":[113,116],"inferential":[115],"were":[117],"applied":[118],"analyze":[120],"SPSS":[124],"software.":[125],"found":[128],"security,":[129],"convenience,":[130],"adaptability":[132],"have":[133],"positive":[135],"influence":[138],"finance,":[141],"with":[142],"security":[143],"having":[144],"most":[146],"substantial":[147],"impact.":[148],"findings":[150],"contribute":[151],"understanding":[154],"adoption":[162],"(DFS),":[167],"offering":[168],"valuable":[169],"implications":[170],"for":[171],"policymakers,":[172],"institutions,":[174],"aiming":[178],"enhance":[180],"landscape":[184],"both":[186],"urban":[187],"rural":[189],"communities.":[190]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":7},{"year":2024,"cited_by_count":3}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2024-03-05T00:00:00"}