Digital-only banks, or 'Digital Banks,' provide customers convenience and easy banking service through online digital technologies. However, still face challenges in adoption when compared to traditional banking services. Our study proposes a conceptual adoption model for digital banks using UTAUT-3 variables unified with additional constructs like Online review and rating. The conceptual model variables are hypothesised using the Smart-PLS software and tested using the PLS-SEM method, with 460 respondents participating across the Delhi-NCR region. The proposed conceptual model reflects a 63.3% explanatory relationship between UTAUT-3 variables and online ratings and reviews variables. Additionally, "Personal Innovativeness" identified by the user is crucial in influencing their choice to use digital banks. The moderating impact of user feedback on websites demonstrates the positive correlation between adoption intention and usage. The conceptual model incorporates UTAUT-3 and ORM theoretical models (Online ratings and reviews). Compared with older research models, the new proposed conceptual model is stronger than the existing ones, based on the survey respondents. This study helps build literature and a conceptual model for digital banking adoption, which is currently lacking in an Indian context. Digital banking managers using digital technologies can focus more on Online reviews (ORE) and ratings (OR) for selling financial products online, which is presently lacking in the financial industry.

Digital Banks, UTAUT-3, Smart-PLS, Online Reviews, Online Ratings