Volume 2 - Issue 4, July - August 2026

This research paper looks at the determinants of implementation of the Big Data Analytics (BDA) technology within the financial institution, especially focusing on the behaviour of employees with regards to their acceptance and use of the technology. Institutions are producing large amounts of structured and unstructured data in the modern digital financial landscape in the form of digital banking, mobile transactions, fintech systems and regulatory reporting systems. Though organizations are spending more to build analytics infrastructure, the inherent use of the systems largely rests on the perception of employees, complements of tasks, as well as dependability of the technology as opposed to the availability of technology. The research relies on the combination of Technology Acceptance Model (TAM) and Task Technology Fit (TTF) theory to establish the relationship between perceived usefulness, perceived ease of use, task technology, and technology characteristics and adoption of Big Data Analytics. Some of the primary data were gathered through a structured questionnaire and purposive sampling in the form of employees in the Indian financial institutions. A weighted response of 204 valid responses was analysed by applying descriptive statistics, reliability testing, correlation analysis, multiple regression methodologies in the SPSS software. The empirical results also show that employees tend to have positive perceptions of analytics systems as all independent variables have significantly positive causal links with Big Data Analytics adoption. The findings substantiate the claim that the adoption of analytics is a socio-technical process, which is influenced by all the three determinants of behavioural beliefs, job relevance, and technological robustness instead of one factor. Perceived usefulness was also one of the strongest predictors among them, ease of use, task alignment, and system reliability. The paper adds to the existing body of research on technology adoption through its empirical support to demonstrate an integrated TAM-TTF model in the financial institution setting. In practice, the results can be used to advise managers and policymakers to promote analytics adoption using user-friendly training, user-friendly system design, task-related personalization, and powerful technical support. Altogether, the study shows that effective implementation of Big Data Analytics needs not only sophisticated systems, but also the acceptance, operation compatibility, and organizational support of the employees.

Janani S, Dr.S.Johnsi,"Big Data Analytics Adoption in Financial Institutions" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(4): Page(109-119) July - August 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.