Resistance to online banking usually stems from three main pillars: security fears, lack of digital literacy, and a preference for human interaction. Despite advanced encryption, many individuals—particularly older generations—fear that hackers will drain their accounts or that identity theft is inevitable in a digital space. Beyond security, there is the "touch-and-feel" factor; some people find comfort in visiting a physical branch, shaking hands with a teller, and receiving a paper receipt. They value the accountability of a brick-and-mortar location. Additionally, for those living in "banking deserts" or areas with poor internet connectivity, the digital divide makes traditional banking a necessity rather than a choice. The fear of "user error," such as sending money to the wrong account via an app, remains a major deterrent.