Academic literature on the topic 'Banking Rural India Digital India India Stack'

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Journal articles on the topic "Banking Rural India Digital India India Stack"

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Singh, Shailendra, and Megah Agarwal. "Progress of Digital Banking in Rural India." Prastuti: Journal of Management & Research 9, no. 1 (2020): 31–36. http://dx.doi.org/10.51976/gla.prastuti.v9i1.912004.

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B., Suvarnamalini. "POSTAL BANKING THROUGH BRANCH AND BRANCHLESS BANKING FOR DIGITIZATION OF RURAL INDIA: A VISION." International Journal of Multidisciplinary Research and Modern Education 3, no. 1 (2017): 379–81. https://doi.org/10.5281/zenodo.582746.

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Financial services so far provided by commercial banks are very poor in rural areas. Success of banking happens if it is available to the door steps of Rural India. Business correspondence model with Micro ATMs may work well in Rural India. Since India has the largest Postal Network in the rural areas, Gramin Dak Sewaks of Postal India can work well in villages. All post offices should open separate banking system. Both branch and branchless banking should be operated for digital development. Use of Micro ATMs can be an effective model for Branchless Banking in Rural India.
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Karunakaran, S., and N. Gopinathan. "Role of Digitalisation in Rural Banking Sector in Madurai, India." Finance: Theory and Practice 27, no. 1 (2023): 76–90. http://dx.doi.org/10.26794/2587-5671-2023-27-1-76-90.

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The Indian banking sector has reached greater heights in recent days because of adopting and involving in the Digitalisation of banking. Though India is moving forward with digitalisation process, our nation faces several setbacks and opposition, which has to be crossed specifically in the rural banking system. The current research work has attempted to examine these challenges and setbacks which are found commonly in rural banking digitalisation. This paper aims in analysing the impacts and influences of Digitalisation in rural banks of Madurai city, Tamil Nadu. Moreover, the study is surveyi
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Ipsita, Paria, and Giri Arunangshu. "A Literature Review on Impact of Digitalization on Indian Rural Banking System and Rural Economy." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 11 (2018): 224–27. https://doi.org/10.5281/zenodo.1488104.

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The main objective of this paper is to review and summarize various studies which were made by different researcher of different location across India on the Impact of digitalization on rural banking system of India. The impact includes the awareness about banking system among rural people, their perception towards banking system and how this digitalization in banking improves the rural life. Indian Government took a mission to transform society and make a new digitalized society. Digitalization is having an impact on Indian economy and as well as rural banking sector. The main focus of this r
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Miyan, Dr Rahmuddin, and Abhishek Kumar Mishra. "Digital Banking and Financial Inclusion: An Empirical Study of Rural India." IOSR Journal of Business and Management 27, no. 6 (2025): 53–59. https://doi.org/10.9790/487x-2706125359.

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Digital banking has emerged as a powerful tool for fostering financial inclusion in developing countries like India. This paper examines the reach, usage, and effectiveness of digital banking services in rural India, highlighting the impact of these services on financial inclusion. Despite government initiatives like the Pradhan Mantri Jan Dhan Yojana (PMJDY), the Unified Payments Interface (UPI), and Aadhaar-enabled payment systems, large sections of the rural population remain excluded from the formal financial system. This study uses a mixed-methods approach—quantitative data from surveys a
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Reddy, V. Dr. Ramesh. "Digital Banking Services and Customers' Satisfaction (A Case Study of Tumkur District)." International Journal of Advance and Applied Research 11, no. 1 (2023): 267–70. https://doi.org/10.5281/zenodo.10207126.

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<strong>Abstract:</strong>Due to the fact that the majority of the population in India resides in rural areas and with the introduction of the Digital India programme by the Government of India, all sectors in the country started integrating technology improvements into their operations. Banking industry is no exception. The digitization of banking services has reduced transaction gap and made financial services accessible in rural and urban areas. Despite the efforts of the government, the banks, and the Fintech companies, the majority of the rural population is still hesitant to adopt digita
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Zhimomi, Tonoli, and Y. Temjenzulu Jamir. "Financial Inclusion in Rural India: Current Landscape, Future Prospects, and Key Challenges." International Journal of Current Research and Academic Review 13, no. 2 (2025): 12–20. https://doi.org/10.20546/ijcrar.2025.1302.002.

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Financial inclusion is essential for providing marginalized and low-income groups with access to vital financial services, boosting economic stability and growth. Although global progress has been made in account ownership and digital payments, challenges persist, particularly in rural areas like India. These challenges call for investments in financial literacy, consumer protection, and technology to ensure equitable access. India has made significant strides in financial inclusion, increasing account ownership through various initiatives. However, about 41% of adults remain unbanked, with re
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Sujatha, S.L, and Mahesh K. Dr. "Digital Financial Inclusion: Challenges and Opportunities In Rural India." International Journal of Advance and Applied Research 4, no. 17 (2023): 20–23. https://doi.org/10.5281/zenodo.7936384.

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The Electronic Payment System Is Adopted By The Peoplein India Changing Rapidly In India But Still In Rural Areas People Are Lacking Behind Compare To City People. According To Rural Realities &amp; Union Budget 2022-23, The 69% Of Population Resides In Rural India. There Are Many Issues &amp; Challenges Are Deviating In The Way Of Digital India. India&rsquo;s Digital Financial Inclusion Journey Has Been Remarkable In The Last Decade And Explicitly Promoted By The Government Of India To Achieve Rural Financial Inclusion Through Their Digital India Movement, Pradan Mantri Gramin Digital Sakshrt
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Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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Books on the topic "Banking Rural India Digital India India Stack"

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Basu, Kaushik, and Robert C. Hockett, eds. Law, Economics, and Conflict. Cornell University Press, 2021. http://dx.doi.org/10.7591/cornell/9781501759383.001.0001.

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This book offers new perspectives on how to take analytic tools from the realm of academic research out into the real world to address pressing policy questions. As the chapters discuss, political polarization, regional conflicts, climate change, and the dramatic technological breakthroughs of the digital age have all left the standard tools of regulation floundering in the twenty-first century. These failures have, in turn, precipitated significant questions about the fundamentals of law and economics. The chapters address law and economics in diverse settings and situations, including centra
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Book chapters on the topic "Banking Rural India Digital India India Stack"

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M. L., Ashoka, Rakesh T. S., and Madhushree S. "Digital Banking Services in Rural India." In Dynamic Perspectives on Globalization and Sustainable Business in Asia. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7095-0.ch005.

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Digitization or digitalization of banking services has established a strong network which supports a quick disbursement of banking services across the world. Digital banking service has enabled India to be more operative in reducing the transaction gaps between rural and urban areas. The awareness about cashless transactions has led to the complete transformation in online-banking services. The government initiatives as well as banks (private and public) efforts in implementing digital services such as internet banking, mobile banking, payment of various utility bills, online-ticket booking, d
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Agrawal, Gaurav, and Pooja Jain. "Digital Financial Inclusion in India." In Behavioral Finance and Decision-Making Models. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7399-9.ch011.

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Financial inclusion is a multidimensional approach. With technology intervention in financial inclusion, electronic banking activity in rural India leads to increased use of financial services and better living standards. In the rising market, many people using mobile phones still are not able to access banking products and financial services. This indicates a huge untouched market for commercial banks. In India, mobile banking services are still in the early stages of development. Thus, the main objective of the chapter is to understand the factors that would act as drivers towards the adopti
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Carrière-Swallow, Yan, Vikram Haksar, and Manasa Patnam. "India’s Approach to Open Banking: Some Implications for Financial Inclusion." In Open Banking. Oxford University Press, 2022. http://dx.doi.org/10.1093/oso/9780197582879.003.0012.

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Chapter 11 continues the regional survey with “India’s Approach to Open Banking: Some Implications for Financial Inclusion,” by the IMF’s Yan Carrière-Swallow, Vikram Haksar, and Manasa Patnam. The authors examine how the development of the digital infrastructure known as the “India Stack”—including an interoperable payments system, a universal digital ID, and other features—is delivering on the government’s objective to expand the provision of financial services. While each individual component of the India Stack is important, the authors argue that its key overarching feature is a foundation
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Rajput, Rahul, and Bindu Thakral. "Challenges in Digital Payments and Financial Cyber Frauds in Rural India." In The Future of Computing: Ubiquitous Applications and Technologies. BENTHAM SCIENCE PUBLISHERS, 2024. http://dx.doi.org/10.2174/9789815238990124010006.

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Improving digital payment trends in rural India is crucial given the growing impact of ICT penetration, demonetization, and digital activities for small businesses in rural sectors. The shift to digital payments can offer benefits such as transaction transparency, reducing parallel economy, and improving ease of doing business. Although various digital wallets such as Paytm, Mobikwik, and PhonePe have been introduced and the government has launched UPI solutions like the BHIM app, rural banking consumers still struggle to embrace digital payments due to the lack of digital literacy. India has
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Bala, Manju, Vikas Kumar Tyagi, Sangeeta Chaudhary, Manju Bala, and Palak Sharma. "Impact of Digital Banking Integration on Rural Women's Banking Usage." In Advances in E-Business Research. IGI Global, 2024. https://doi.org/10.4018/979-8-3693-9699-5.ch015.

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The Digital banking has enhanced the aspects of financial utilization by enabling client's buy their way throughout the paperless mode without undergoing physically to the banking institutions. Therefore, the effects of digital banking to the financial status of rural women especially those in India have not received much attention. Since this research seeks to evaluate the impacts of digital banking on the financial knowledge, economic enfranchisement and banking engagement of rural women in Haryana, India, it examines the research questions. Carrying out one-to-one interviews of 50 rural wom
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Gupta, Abhilasha, Govind Nath Srivastava, and Harsh Purohit. "Understanding Adoption of Digital Banking Services in Rural India Using Integrated Method." In Advances in E-Business Research. IGI Global, 2024. http://dx.doi.org/10.4018/979-8-3693-7056-8.ch003.

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This study aims to analyze the attitude and behaviour of rural customers of India towards digital banking services. In the present study, quantitative and structural indicator of bibliometric analysis was used to analyze the intellectual structure of the domain and to examine the relationship between research constituents. PRISMA framework-2009 was used to map existing literature from 2000 to 2020 for the systematic and structured review of existing literature. The result of the study brought six important thematic clusters. Sentiment analysis found that the majority of the rural customers hol
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Dam, Supriya. "Digital Inclusion as a Tool to Rejuvenate the Rural Banking Sector in Tripura, India." In Advances in Environmental Engineering and Green Technologies. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-4610-2.ch012.

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Digital inclusion in banking services was drafted to provide fast and uninterrupted services to a broad pool of customers with an aim to extend financial services to unprivileged groups. Competitive edge associated made it a vibrant policy for bankers across the state with varying degrees of application to suit the customer needs. The present study explores the extent of digital banking interface help improve the status of rural banking in Tripura on the basis of secondary data. Taking cue from four CRISIL Inclusix in view (i.e., branch penetration, deposit penetration, credit penetration, ins
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Pathak, Smriti Ashish, and Shreya Virani. "Financial Literacy for Financial Inclusion Using Mobile Technology in India." In Marketing Techniques for Financial Inclusion and Development. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-4035-9.ch006.

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According to the RBI governor, technology-enabled financial information will spread financial literacy in an efficient and secure manner. India needs inclusive growth to pull millions out of poverty and mobile phone penetration can be a good opportunity. Consumers are exposed to a plethora of financial products but the knowledge is either not there or limited to make judicious choices. The successful implementation of financial literacy services would benefit rural people but it is a challenge to all stakeholders today. One-hundred twenty-five people all over India were selected for a survey a
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Pathak, Smriti Ashish, and Shreya Virani. "Financial Literacy for Financial Inclusion Using Mobile Technology in India." In Research Anthology on Concepts, Applications, and Challenges of FinTech. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8546-7.ch033.

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According to the RBI governor, technology-enabled financial information will spread financial literacy in an efficient and secure manner. India needs inclusive growth to pull millions out of poverty and mobile phone penetration can be a good opportunity. Consumers are exposed to a plethora of financial products but the knowledge is either not there or limited to make judicious choices. The successful implementation of financial literacy services would benefit rural people but it is a challenge to all stakeholders today. One-hundred twenty-five people all over India were selected for a survey a
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Tariq, Dr Wali, and Benazir Malik. "PERSONAL DATA PROTECTION ACT (PDPA, 2023): HERALDING FUTURISTIC ERA OF DATA AND PRIVACY PROTECTION IN INDIA." In Futuristic Trends in Medical Sciences Volume 3 Book 2. Iterative International Publisher, Selfypage Developers Pvt Ltd, 2024. http://dx.doi.org/10.58532/v3bbms2p2ch1.

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Background/Introduction: Gossamer-like, the internet has seamlessly woven itself into the fabric of Indian Society with over 714 million Indians are actively using the internet in India, which accounts for approximately 48% of the total population in the year 2022; and this is further anticipated to grow up to one billion users by 2025. There are around 338 million Indians who use digital means for making payments of which 36 % hail from rural India.[i]. The trend that has been set does point to the fact that the major chunk of these users do hail from rural India. In a way, rural India is on
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