Impact of Financial technology Services on User Perception and Behavioral Intention: with special reference to public sector Banks in Bangaluru Rural District

Customer satisfaction; Behavioral intention; rural banking; Trust; Public sector banks.

This research looks at public sector banks in the Bengaluru Rural Districts of Karnataka to see how customer satisfaction with FinTech services affects their behavioral intention to keep using these services. Performance, effort, social influence, hedonic incentive, perceived risk, and perceived cost are the six critical aspects that the research uses to construct the quality of FinTech services. Here, we look at trust as a moderator of the link between customer happiness and behavioral intention, and we claim the role of FinTech service quality and behavioral purpose by consumers satisfaction. Primary data for the study came from clients of public sector banks that make use these services. The study used a quantitative research approach. Customers are more likely to be satisfied when they have high expectations for performance, effort, social impact, and hedonic drive, but they are less satisfied when they have high expectations for perceived risk and expense. Customer satisfaction and behavioral intention have a strong positive link, and this correlation is strengthened in the presence of trust. The report contributes to the expanding corpus of research on FinTech adoption by rural banks by establishing a framework that combines technological, behavioral, and trust factors that affect customer satisfaction and future usage intentions. The results offer notable managerial insights for public sector banks to enhance the standard of FinTech services, increase client confidence in the financial system, and promote the long-term use of digital banking services in rural regions.