The growth in the use of digital banking services is not at the level anticipated in most emerging nations, which has drawn intense academic scrutiny. In order to comprehend the issue, this study presents a novel model with a focus on the Sri Lankan environment by taking Sri Lanka as a case study; however, this effort may help other countries confronting similar challenges and potential applications with the best results. Five exogenous variables are assessed collectively under this framework for their effects on behavioral intentions to interact with digital banking channels. The model includes four moderators that further explain their effects on the association between behavioral intention and the factor variables. Insights from four well-known theories are used to establish the new model, which provides banks with useful information for developing promotional tactics for the use of digital banking services and also helps the government and other responsible bodies come up with effective policies to expand their use. In addition, it intends to fill the knowledge gap in the dynamics of the adoption of digital banking services, boosting consumer involvement not only in Sri Lanka but also in larger global contexts

Keywords : Digital Banking Services, Digital Banking Channels, Sri Lanka, Emerging Economies