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This study assesses the factors influencing customers’ intention to adopt e-banking in the context of the technology acceptance model and the moderation role of cybercrime.

The variables in the study are measured using a five-point Likert scale with measures adopted from existing literature. The independent variables are perceived ease of use, perceived usefulness and security and privacy. These are postulated to be moderated by the perceived risk of cybercrime and to influence e-banking adoption intentions. A quantitative approach is used. Primary data are collected from a sample of 209 randomly selected bank customers. The study uses a two-step (measurement model and structural model) approach to data analysis.

The key findings in this study are that perceived risk of cybercrime strengthens the positive relationship between perceived ease of use and e-banking adoption intentions but dampens or weakens the positive relationship between perceived usefulness and customers’ e-banking adoption intentions. The study makes several recommendations to inform scholarship, policy and practice.

Unlike existing literature, the study makes a unique contribution by including perceived risk of cybercrime as a moderating variable of theoretical significance in the relationship between adoption of e-banking and its determinants.

Digitalization is one of the major factors that fosters economic growth across the world. However, the level of digitalization varies significantly between developed and developing countries, with the latter often lagging behind. To bridge this gap, it is crucial to pinpoint the drivers of digitalization, specifically from the macroeconomic and country-level governance dimensions. Therefore, this study aims to investigate the determinants of digitalization, particularly for countries in Asia and the Pacific region.

Our study utilizes unbalanced panel data from 46 Asian and Pacific countries for the period of 2001–2021. Initially, we analyzed the data using conventional econometric methods, such as pooled ordinary least squares (POLS), random-effects model (REM) and fixed-effects model (FEM). Moreover, we employed endogeneity-corrected techniques and alternative proxies to enhance the robustness and reliability of our findings.

Our findings reveal that economic development progress, government expenditure relative to country size and political stability are key drivers of digitalization. In contrast, corruption at the country level emerges as a significant impediment. Notably, our results remain robust to endogeneity-corrected techniques and alternative proxies of digitalization. Overall, these insights can inform policymakers, helping them to understand the macroeconomic and governance factors shaping digitalization and guide their decision-making toward effective policy interventions.

This study’s empirical findings add significant value to the existing literature by quantifying the impact of macroeconomic and governance factors on digitalization in selected countries. This offers valuable insights for policymakers, particularly in nations with lower levels of digitalization.