Sushant Subedi

and 3 more

As digital banking rapidly grows, earning and maintaining user trust has become essential for success. This paper explores how trust can be cultivated in digital banking through the Prominence-Interpretation Theory (PIT), which explains how users judge the credibility of platforms by noticing key features and interpreting them. The study investigates ways to improve trust by focusing on what users value most-security, transparency, and ease of use.Using PIT as a framework, this research pinpoints the main factors that affect trust in digital banking, highlighting the importance of designing platforms that are user-friendly while clearly communicating security aspects. By examining policy frameworks like GDPR and case studies on platforms such as Revolut and Orange NXT, the research demonstrates how design and regulations intersect to build trust. Key insights highlight the role of data control, user empowerment, and clear communication in fostering confidence. The findings suggest that by combining effective regulatory measures with user-friendly interfaces, digital banking platforms can not only meet legal obligations but also instill long-term trust among users. A detailed literature review strengthens the theoretical approach, providing insights into how banking platforms can emphasize security features to enhance trust and user involvement.This paper adds to the broader conversation on trust in digital environments by addressing two key questions: whether PIT can effectively increase trust and how regulatory policies contribute to user confidence. The results indicate that combining visible, user-focused design with clear explanations of security features can significantly enhance trust in digital banking platforms.