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Post-COVID Digital Banking Adoption in Kosovo: The Roles of Trust, Utility, and Physical Channels Cover

Post-COVID Digital Banking Adoption in Kosovo: The Roles of Trust, Utility, and Physical Channels

Business Systems Research Journal
Volume 17 (2026): Issue 1 (April 2026)
By: ,   and    
Open Access
|May 2026
Authors

Authors

Besa Hajdaraj

besa.hajdaraj@uni-pr.edu

University of Prishtina, Faculty of Economics, Republic of Kosovo

Driton Balaj

driton.balaj@uni-pr.edu

University of Prishtina, Faculty of Economics, Republic of Kosovo

Helena Nikolić

hnikolic@efzg.hr

University of Zagreb, Faculty of Economics and Business, Zagreb, Croatia
DOI: https://doi.org/10.2478/bsrj-2026-0012 | Journal eISSN: 1847-9375 | Journal ISSN: 1847-8344
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Language: English
Page range: 243 - 264
Submitted on: Dec 14, 2024
Accepted on: Sep 12, 2025
Published on: May 10, 2026
Published by: IRENET - Society for Advancing Innovation and Research in Economy
In partnership with: Paradigm Publishing Services
Publication frequency: 2 issues per year
Keywords:
digital banking adoption,
digital payments,
trust,
perceived utility,
physical channels (ATM,
branch),
gender moderation,
structural equation modelling (SEM),
Kosovo,
COVID-19
Related subjects:
Business and economics,
Business management,
Management, organization, corporate governance,
Business management, other,
Mathematics and statistics for economists,
Mathematics

© 2026 Besa Hajdaraj, Driton Balaj, Helena Nikolić, published by IRENET - Society for Advancing Innovation and Research in Economy
This work is licensed under the Creative Commons Attribution 4.0 License.

Volume 17 (2026): Issue 1 (April 2026)
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