The study undertakes the objective of investigating the influence of trust while using technology. Additionally it also incorporates propensity of trust in the systematic framework of traits along with its applicability in technical systems. For achievement of the objectives stated, empirical analysis of 815 bank customers in India has been done using the application of a simple model of neo-banking adoption via SEM. The outcomes support and clearly depict the effect of technology confidence on the customer’s attitudes toward neo banking and their risk perception towards it. Not only in interpersonal relationships, but also in technical structures, trustworthiness is a determinant. This isn't a scientifically valid analysis. Future studies should look at more aspects of personality traits and structure in trust and acceptance, as well as assess the determinants affecting the psyche. To increase the acceptance of technology in banking, it is not enough to make neo-banking more appealing to customers and easier to navigate. Efforts to improve technical confidence and reduce perceived risk must be followed on a continuous basis. One of the important factors ensuring efficacy is trust. The study explores technology trust as an idea and subset of technology, as well as the significance in the neo-banking assimilation process and the application of the trust propensity principle to technical working methods