Advances in Consumer Research
Issue:6 : 149-158
Original Article
“Blockchain Technology in Indian Banks: Employees’ Awareness, Perception, and Influencing Factors”
 ,
1
Ph.D Research Scholar, School of Commerce & Business Management, Geeta University, Panipat
2
Associate Professor, School of Commerce & Business Management, Geeta University,Panipat
Received
Oct. 12, 2025
Revised
Nov. 26, 2025
Accepted
Dec. 16, 2025
Published
Dec. 19, 2025
Abstract

Blockchain technology is increasingly recognized as a transformative innovation in banking; however, empirical research has largely overlooked the role of employees, who are central to its implementation. Addressing this gap, this study examines employees’ awareness, perceptions, and behavioural intentions toward blockchain adoption in the Indian banking sector. Using a quantitative approach, primary data were collected from 200 employees of selected public and private sector banks. The study extends the Technology Acceptance Model (TAM) by incorporating perceived trust, cost, strategic value, risk, and security. Descriptive statistics, Pearson’s Chi-square test, and multiple linear regression analysis were employed. The findings reveal significant differences in blockchain awareness across demographic and professional characteristics. Regression results indicate that perceived ease of use, trust, cost, and strategic value positively influence employees’ attitudes, while perceived usefulness, risk, and security show no significant effect. Employees’ attitudes strongly predict their behavioural intention to adopt blockchain. The study provides employee-centric insights for effective blockchain implementation in Indian banks.

Keywords
Recommended Articles
Original Article
An entrepreneurial perspective on new-age technology adoption: Implications for theory and practice
Original Article
Application of Predictive Analytics in Consumer Buying Behaviour for Personal Use Automobiles: A Systematic Literature Review
...
Original Article
Determinants of Work-Life Balance among Female Teachers in Higher Education: An Empirical Study from the Rohilkhand Region of Uttar Pradesh, India
Original Article
Mechanism of Technology-Organisation-Environmental Factors on Digital Transformation: A mediation approach with Knowledge Management
...
Loading Image...
Volume 2, Issue:6
Citations
58 Views
65 Downloads
Share this article
© Copyright Advances in Consumer Research