The rapid advancement of digital technologies has revolutionized the banking sector, prompting a significant shift towards e-banking services. This literature review aims to explore the determinants influencing customer willingness to embrace e-banking services provided by nationalized and scheduled banks, with a specific focus on the Nagpur District in India. Through an extensive review of existing studies, this paper identifies key factors such as technological awareness, perceived ease of use, perceived usefulness, trust, security concerns, and demographic variables that shape customer acceptance of e-banking. Additionally, the review highlights the comparative analysis between nationalized and scheduled banks, shedding light on their respective challenges and opportunities in fostering e-banking adoption. The findings suggest that while technological factors play a crucial role, socio-economic and demographic factors also significantly impact customer attitudes towards e-banking. This review provides valuable insights for banking institutions aiming to enhance their e-banking services and tailor their strategies to increase customer adoption rates. Future research directions are also discussed to further understand the evolving landscape of e-banking in the context of emerging markets.