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Digital Facades and Eco-Skepticism: How Vague Sustainability Claims Shape User Loyalty in Retail Banking


Authors : Dr. Anita Jacob

Volume/Issue : Volume 11 - 2026, Issue 6 - June


Google Scholar : https://tinyurl.com/yc8zzxr9

Scribd : https://tinyurl.com/mps87hvt

DOI : https://doi.org/10.38124/ijisrt/26jun176

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.


Abstract : In this era of heightened stakeholder awareness of environmental issues, organizations are taking extreme measures to earn the trust of environmentally conscious customers. Organizations are engaging in unethical practices that contradict their beliefs and practices. We see this especially in the Retail Banking Sector as banks yield to exaggerated or misleading portrayals of their environmental initiatives. Retail Banks are facing significant distrust and skepticism from customers regarding their green practices. This paper explores the impact of greenwashing practices in the banking sector. It also aims to investigate the importance of transparency and accountability for banks in regaining public trust amid consumer skepticism about green marketing practices.

Keywords : Digital Façade, Eco-Skepticism.

References :

  1. Aggarwal, P. (2026). The role of green banking in promoting sustainable development. Journal of Emerging Technologies and Innovative Research (JETIR), 13(1), d564–d571.
  2. Ali, S. M. S., Suraj S, K., Karnik, S., Modi, R. R., Jain, S., & Killedar, M. (2026). Sustainable digital banking: Green practices in the financial sector. Scientific Culture, 1. https://doi.org/10.5281/zenodo.19020046
  3. Bukhari, S. S. (2011). Green marketing and its impact on consumer behavior. European Journal of Business and Management, 3(4), 375–382.
  4. Kuosuwan, B., Risman, A., Dudukalov, E., & Kozlova, E. (2024). Digital banking and environmental impact: How Fintech supports carbon footprint reduction. BIO Web Conferences, 145, 05017. https://doi.org/10.1051/bioconf/202414505017
  5. Malik, G., Singh, D., & Kaur, A. (2025). Greenwashing in green banking: Weakening sustainable initiatives, trust, and harming brand reputation. Journal of Financial Services Marketing, 30(4), 1–21. https://doi.org/10.1057/s41264-024-00278-x
  6. Salwan, P., Shandilya, B., Chavali, K., & Pereira, V. (2025). Greenwashing in banking: Exploring the interplay of strategic ambidexterity, public policy, and customer orientation. International Journal of Bank Marketing. Advance online publication. https://doi.org/10.1108/IJBM-2024-0123

In this era of heightened stakeholder awareness of environmental issues, organizations are taking extreme measures to earn the trust of environmentally conscious customers. Organizations are engaging in unethical practices that contradict their beliefs and practices. We see this especially in the Retail Banking Sector as banks yield to exaggerated or misleading portrayals of their environmental initiatives. Retail Banks are facing significant distrust and skepticism from customers regarding their green practices. This paper explores the impact of greenwashing practices in the banking sector. It also aims to investigate the importance of transparency and accountability for banks in regaining public trust amid consumer skepticism about green marketing practices.

Keywords : Digital Façade, Eco-Skepticism.

Paper Submission Last Date
30 - June - 2026

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