Digital banking has seen tremendous growth in recent years, resulting in significant changes to the way banks provide financial services; however, rural customers have unevenly adopted digital banking services. This study will investigate the factors that influence the adoption of digital banking among rural customers located in Coastal Karnataka, specifically focusing on perceived usefulness and trust. The study will also examine the mediating influence of digital self-efficacy and the moderating influence of habitual cash dependency on the relationship between these constructs and the rural customers' digital banking adoption behavior. A structured questionnaire will be administered to rural banking customers and the collected data will be analyzed using several statistical techniques, such as Confirmatory Factor Analysis (CFA) and Structural Equation Modeling (SEM). It is expected that results from the analysis will show that perceived usefulness and trust influence rural digital banking adoption, directly, as well as indirectly through the mediating influence of digital self-efficacy. It is also anticipated that habitual cash dependency will moderate the relationship between these constructs and rural customers' digital banking adoption making it more difficult for these customers to move toward digital banking platforms. This research builds on prior studies by developing a model of the adoption process for digital banking that includes behavioral, cognitive, and situational variables and how they work together to create an overall experience in rural communities. The results could assist policy-makers, banks, and companies providing digital products and services with providing services that increase consumer confidence, provide education in the use of digital tools, and decrease the amount of cash-based transactions.