The purpose of this study is to determine whether or not a person's demographics have an effect on how they feel about using online banking services. The sample includes existing online banking. There have been a number of studies on technology adoption models that have been empirically validated, however few of these studies took moderating variables into account. Gender, age, & income are three of the more heavily scrutinized moderating variables. We intend to reduce the inconsistencies that have been identified in previous research work by incorporating more moderator variables into the model. Two approaches, namely multiple linear Fisher Z transformation, are utilized to testing the moderating impact. Gender, qualifications, occupation, income, & marital status were found to be important moderating variables in this study. Educational background did not appear to play a role in moderating this relationship. Extending TAM &DoI theories, our research provides insights into how consumers' attitudes toward online banking services are influenced by the aspects mentioned above. According to findings from the moderating impact, we have a better grasp of how demographic differences affect the level of online banking adoption. Researchers and practitioners will benefit from this research by developing better online banking adoption frameworks & systems that take demographics into account.

Online banking, demographic, moderation effect, regression analysis