The banking sector has been transformed tremendously due to the digital technological innovations in the sector which has led to the adoption of various digital financial services like mobile banking, internet banking, UPI based transactions and digital wallets. Event though digital transformation has a huge presence globally and the banking sector has seen a drastic change in the adoption of digital banking; the presence of geopolitical uncertainty has brough in new challenges for the various financial institutions and these uncertainties have even impacted the customers at large. As the globe is interconnected the various geopolitical events such as trade disputes, international conflicts, cybersecurity threats and economic sanctions do have a potential to influence customer perception and their financial decision making. Keeping these uncertainties in mind this study the current study tries to understand the impact of geopolitical uncertainty on digital financial services adoption in Indian banking from a NAVI (Non-linear, Accelerated, Volatile and Interconnected) perspective.

This study has adopted a quantitative research approach and the data has been collected through a structured questionnaire by collecting responses of 168 respondents who use digital financial services. The data that was collected was analysed by using Cronbach’s Alpha, Descriptive statistics, Regression Analysis and Pearson Correlation Analysis. Post analysis the findings suggest that there is a high level of awareness among respondents with regards to the geopolitical uncertainty and its impact due to the digital financial system.  There is a positive relationship between geopolitical uncertainty and digital financial services adoption which was clearly visible due to the Correlation and regression analysis which also suggest that customers rely a lot on digital financial platforms to manage their activities in uncertain environment. The findings play and important role in contributing to the existing literature by combining geopolitical uncertainty and digital financial service adoption in a NAVI framework and these insights will be valuable to banks, policymakers and even researchers who are looking to strengthen the ecosystem of the volatile and interconnected digital financial environment.