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

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

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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2

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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3

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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8

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 & Union Budget 2022-23, The 69% Of Population Resides In Rural India. There Are Many Issues & Challenges Are Deviating In The Way Of Digital India. India’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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10

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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11

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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12

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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13

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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Abstract:

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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14

Raju, Gosala, and Irala Lokanandha Reddy. "Mobile Banking and Financial Inclusion: The Proximate Determinants of Adoption in Rural India." Journal of Management and Entrepreneurship 16, no. 03 (2022): 124–41. https://doi.org/10.70906/20221603124141.

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This study aims to identify the proximate determinants of Mobile banking adoption in rural India. A research design has been developed to understand rural peoples’ perspectives on mobile banking use. A survey instrument was developed and able to gather 551 sample responses. Data thus obtained has been analyzed using structural equation modeling to investigate research hypotheses. Relative advantage, ease of use, self-efficacy, social influence, and awareness have a significant positive influence on mobile banking use. Credibility has a significant negative influence on mobile banking use. The

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15

K.N., Kusuma. "THE IMPACT OF INTERNET BANKING IN INDIA – AN OVERVIEW." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 38–44. https://doi.org/10.5281/zenodo.2566941.

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<em>In the 1990s, the banking sector in India saw greater emphasis being placed on technology andinnovation. Banks began to use technology to provide better quality of services at greater speed. The Internet Banking is becoming one of the fastest growing technologies that is playing a significant role in the daily lives of human beings. Internet Banking and Mobile Banking made it convenient for customers to do their banking from geographically diverse places. Banks also sharpened their focus on rural markets and introduced a variety of services geared to the special needs of their rural custom

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16

Chawla, Gurleen Kaur. "ADVANCING INDIA’S DIGITAL ECONOMY THROUGH DIGITAL BANKING: AN ANALYSIS OF GROWTH TRENDS AND ECONOMIC VALUE." International Journal of Innovations & Research Analysis 05, no. 01(II) (2025): 239–47. https://doi.org/10.62823/ijira/5.1(ii).7479.

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The integration of digital banking into India's financial ecosystem has played a transformative role in accelerating the nation's digital economy. This study investigates the growth trends and economic value associated with digital banking from FY2019 to FY2025. Using data on digital transaction volumes, transaction values, registered internet and mobile banking users, and UPI users, the paper analyzes the expansion of digital banking services and their direct contribution to digital economic growth. Government-led initiatives such as Digital India, Pradhan Mantri Jan Dhan Yojana (PMJDY), Aadh

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17

Dr., Samadhan P. Borse. "Digital Banking and RBI's Digital Rupee (CBDC): A Pathway to Financial Inclusion." International Journal of Advance and Applied Research S6, no. 19 (2025): 472–76. https://doi.org/10.5281/zenodo.15109424.

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<strong><em>            </em></strong><em>Digital banking has transformed financial transactions by enabling paperless, instant and 24/7 secure banking services. In India, the RBI has played a crucial role in promoting digital transactions through initiatives such as UPI, IMPS, NEFT and RTGS facilities. A significant development in this sector is the introduction of the digital rupee, known as Central Bank Digital Currency (CBDC), launched by the RBI in 2022. The digital rupee aims to enhance financial inclusion by providing banking access

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18

Jhamb, Anchit. "FinTech Adoption and Financial Inclusion in Rural India." Journal of Neonatal Surgery 14, no. 32S (2025): 3054–62. https://doi.org/10.63682/jns.v14i32s.7884.

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FinTech innovation has emerged as a transformative force in India’s evolving financial landscape, offering new pathways to bridge the long-standing divide between formal financial services and rural populations. As traditional banking institutions continue to grapple with challenges in reaching remote and underbanked areas, FinTech platforms—powered by mobile technology, digital identity frameworks, and real-time payments infrastructure—present scalable, cost-effective, and accessible alternatives. This paper explores the intricate relationship between FinTech adoption and financial inclusion

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19

Vani, Hiral, and Reetika Agarwal. "The Evolution of Digital Payments in Rural India: An Insight into Challenges and Opportunities." Journal of Economic Studies and Financial Research 6, no. 1 (2025): 16–22. https://doi.org/10.46610/jesfr.2025.v06i01.002.

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Digitization is the need of an hour. Digital payment has been a word of mouth for every citizen in India since the invention of UPI. Other digital payment modes include Internet banking, mobile banking, Aadhar Enabled Payment Systems (AEPS), National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS), Electronic Clearing Service (ECS), Immediate Payment Service (IPS), E Wallet, etc. The adoption of digital payment in India is increasing. Post pandemic and demonetization, the use of digital payment has outperformed expectations. However, the rural areas faced many challenges lik

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Dr., Ritesh Byas, and Ankush Bhusawale Mr. "Digital Banking– A challenge Against Cooperative banks." IARA – International Journal of Humanities, Social Science, Business Management and Commerce 07, no. 01 (2023): 07–12. https://doi.org/10.5281/zenodo.13913921.

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<em>Banking is known as the backbone of economy of every country. Without having an effective banking system, country cannot develop. Digitalization has impacted each and every sector. Banks are not exceptions from the digitalization process. In India telecommunication network has not spread in rural area. Cooperative banks are the main service provider in rural area. Still these banks have not adopted digitalization in their day-to-day transactions. Present research paper elaborate challenges against cooperative banks for adopting and implementing the digital banking system. </em>

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21

Dr., Mohan singh. "DIGITAL PAYMENT SYSTEM IN RURAL INDIA AFTER DEMONETIZATION." International Journal of Marketing & Financial Management 10, no. 1 (2022): 07–21. https://doi.org/10.5281/zenodo.7042454.

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<strong><em>ABSTRACT</em></strong> <em>India is a vast country with 63 percent rural population. Any project of economic development will not be successful if villages are not been part of it. In the era of science and knowledge, the information technology has played crucial role in the process of development and touched every aspect of life. The banking and finance sector are using technology exactingly service delivery. The demonetization drive launched by govt of India on 8 Sep 2016 push the country to use alternative method of payment. The situation arises with Covid-19 aggravated the prob

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22

MAURYA, AKASH ANAND. "Roles of Indian Commercial Banks for Financial Inclusion." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50458.

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Abstract- This paper takes a critical look at how the commercial banks of India have been playing a leading role in promoting financial inclusion among the various categories of people in the demographic divide, especially the neglected rural and semi-urban sectors. It examines how much banks have increased access to banking services, that is, savings, credit and digital platforms, and it examines the obstacles that restrict successful outreach and active utilization. With the descriptive research design and the structure questionnaire applied to 60 respondents, the study reveals the notable a

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Adil, Masudul Hasan, and Neeraj R. Hatekar. "Demonetisation, Banking and Trust in ‘Bricks’ Or ‘Clicks’." South Asia Research 40, no. 2 (2020): 181–98. http://dx.doi.org/10.1177/0262728020915566.

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This article seeks to advance contextualised understanding of the extent to which a cashless economy in India can be a feasible developmental goal. Initially, impressed with critiques of the sudden ‘demonetisation’ on 8 November 2016, we conducted econometric research to test how banks (‘bricks’) could be brought closer to rural people. However, this traditional approach of envisaging more banks was rapidly overtaken by the massive uptake of digital payment methods (‘clicks’) in India since 2016. Partly driven by the Reserve Bank of India (RBI), this has raised new concerns and research agenda

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Mukhopadhyay, Sumanta. "A Study on the Positive Potential of Demonetization and Digital Payment System to improve Service Quality of Indian Banks." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 7, no. 1 (2017): 1. http://dx.doi.org/10.21013/jmss.v7.n1.p1.

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<div><p><em>The present wave of Demonetization and Digital Payment System towards a Cashless Economy demands that our Commercial banks provide superior customer service as one of the biggest provider of banking and financial services in our urban and rural hinterland. Loyal customer base can only be created through delivering Customer Delight. But the crux of the matter is that to achieve better performance, the Indian banks, both private and public, need to provide Service Quality. Different authors in India have tried for introspection of the service quality through differe

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Meena Kumari, K. "India Post Payments Bank – Problems and Prospect." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 7, no. 2 (2017): 364. http://dx.doi.org/10.21013/jmss.v7.n2.p28.

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<em>Payments Bank is a new kind of bank which is promoted with the express purpose of extending the reach of banking to vast majority of the unbanked and under banked segments of the population. Payments bank promoted by India Post is expected to use the physical network of post offices as well as digital platforms such as mobile, internet banking, debit cards, point of sale devices, etc. to provide the designated financial services at low cost to target population. Payments Bank might be able to provide last mile connectivity especially in those areas which do not have any bank branches

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Dr, Manoj Kumar Sharma. "The Role of Digital Banking in Transforming India's Financial Landscape." INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH AND CREATIVE TECHNOLOGY 4, no. 3 (2018): 1–9. https://doi.org/10.5281/zenodo.14710400.

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This paper explores the transformative role of digital banking in reshaping India's financial landscape. It examines how technological innovations, government initiatives, and financial inclusion efforts are driving the growth of digital banking in the country. The study highlights key factors such as the rise of mobile banking, digital payment systems, and the adoption of platforms like Unified Payments Interface (UPI), which have enhanced accessibility and convenience for millions of Indian citizens. The paper also delves into the challenges faced by the sector, including cybersecurity risks

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Tomar, Shashi Prabha, Nipun Dangwal, and P. K. Kasar. "Awareness and sources of the digital transactions schemes: a cross sectional study in a rural block of Jabalpur, Madhya Pradesh, India." International Journal of Research in Medical Sciences 8, no. 2 (2020): 730. http://dx.doi.org/10.18203/2320-6012.ijrms20200265.

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Background: India is a developing country and is on the road of rapid progress, in every aspect. So, to further boost the development process, India joined many other developing countries and showed an intent to promote a cashless economy. However, this penetration is not much in the rural areas which constitute the building blocks of the country. Awareness regarding digital transaction schemes of government of India is imperative to success of such schemes. Hence, the current study for assessing the awareness of the digital transaction schemes and finding out the sources in their implementati

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Srinivas, G. Sabitha. "Financial Inclusion-Role of Payment Banks in India." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 6, no. 1 (2017): 91. http://dx.doi.org/10.21013/jmss.v6.n1.p12.

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<div><p><em><span>Opening of new branch in every village is uneconomical for any traditional bank. Transactions through mobile phones may cover a low cost platform for basic banking services to every rural or urban citizen. India’s domestic remittance market is more than Rs. 900 Billions. The payment banks play a vital role in implementing the government’s direct benefit transfer scheme, where subsidies on healthcare, education and gas are paid directly to beneficiaries’ accounts. Keeping in mind the government's unwavered digital drive target, customers shifting from c

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Meher, Bharat Kumar, Iqbal Thonse Hawaldar, Latasha Mohapatra, Cristi Spulbar, Ramona Birau, and Cristian Rebegea. "THE IMPACT OF DIGITAL BANKING ON THE GROWTH OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) IN INDIA: A CASE STUDY." Business: Theory and Practice 22, no. 1 (2021): 18–28. http://dx.doi.org/10.3846/btp.2021.12856.

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Purpose: The purpose of this paper is to formulate a multiple regression model by considering those factors which are positively affecting the growth of Micro, Small and Medium Enterprises (MSMEs) in India. Methodology: The data used in this study are primary in nature which are collected through questionnaire method. The questionnaire involves the nature and size of business and opinion of the owners and managers of 454 MSMEs in Katihar district, a semi-urban area of Bihar in India, regarding the various favourable factors of digital banking on a Likert scale of 1 to 10. Findings: The finding

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Bawaree, Vishnu. "The “One State, One RRB” Policy – Another Step to Develop Rural Entrepreneurship in India." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 08, no. 02(I) (2025): 149–58. https://doi.org/10.62823/ijarcmss/8.2(i).7505.

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Rural entrepreneurship in India depends heavily on accessible and robust banking services tailored to rural needs. The “One State, One RRB” policy is a recent nationwide reform that consolidates Regional Rural Banks (RRBs) on a state-wise basis, reducing the number of RRBs from 43 to 28 through mergers. This paper provides a comprehensive analysis of the policy from a national perspective, examining its empirical impact on banking performance and its implications for rural entrepreneurship. We review the evolution of RRBs, including prior consolidation phases and the theoretical underpinnings

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Dr., Pratik Haribhajan Shinde. "Financial Inclusion and Digital Banking: Pathways to Economic Transformation and Inclusive Growth in Viksit Bharat 2047." International Journal of Advance and Applied Research S6, no. 19 (2025): 350–56. https://doi.org/10.5281/zenodo.15109330.

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<em>Digital banking and financial inclusion are major forces behind India's inclusive growth and economic transformation.  In order to ensure that all citizens benefit from the formal financial system, the Indian government has launched a number of measures to encourage financial access under the Viksit Bharat 2047 goal.  According to NITI Aayog reports, digital banking has greatly improved financial accessibility, especially in rural areas, thanks to fintech advances.  The importance of digital payment technologies, rural banking, and microfinance in reducing economic inequalit

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Bibhu, Dash, F. Ansari Meraj, Sharma Pawankumar, and Swayam siddha Swati. "FUTURE READY BANKING WITH SMART CONTRACTS - CBDC AND IMPACT ON THE INDIAN ECONOMY." International Journal of Network Security & Its Applications (IJNSA) 14, no. 5 (2022): 39–49. https://doi.org/10.5281/zenodo.7223340.

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India is significantly diverse in culture and how it promotes business transactions. Though we are very acquainted with cash, cards, and online mode of payment, the Indian rural economy still believes in the barter system. At this juncture, India is evolving as a tech power house, and its economy is thriving to embrace cryptocurrency as a medium of exchange. After the Indian finance minister declared the same last February that India is working towards building its legal tender called Central Bank-backed Digital Currency (CBDC), this paper is making an impact in explaining our strengths, weakn

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Parakh, Santosh, Prakash Ukhalkar, and Leena Sanu. "Digital Wallet and Mobile Banking Adoption Among Rural Bank Customer." International Research Journal of Business Studies 13, no. 3 (2020): 215–26. http://dx.doi.org/10.21632/irjbs.13.3.215-226.

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This study provides a rural viewpoint to the global research and literature on adoption of digital wallet and mobile banking among rural customer. It empirically examines the most influencing factors that stimulating to digital wallet and mobile banking user for service adoption. Primary and secondary data sources are used. A sample of 300 customers was surveyed from the rural areas of Maharashtra state, INDIA. A Simple Random Sampling method is used for selections of area from Maharashtra state and Chi-square testing was used in stated hypothesis. The study concludes that Security-Privacy, Tr

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Kurussiveettil, Reshma, and Kanniammal Karuppanagounder. "FINANCIAL INCLUSION REVOLUTION IN INDIA: A DECADE OF PROGRESS WITH PMJDY EMPOWERING MILLIONS." JOURNAL OF INTERNATIONAL BUSINESS AND ECONOMY 24, no. 2 (2024): 73–91. http://dx.doi.org/10.51240/jibe.2023.2.4.

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The Pradhan Mantri Jan Dhan Yojana is a noteworthy initiative aimed at improving financial inclusion in India (PMJDY). "Rural India," in particular, is empowering the long-marginalized economically disadvantaged element of society. The PMJDY's ability to swiftly expand financial inclusion by providing basic banking services to millions of previously unbanked individuals is essential to its success as it fosters inclusive growth and economic empowerment in India. This research attempts to explore the many government initiatives and RBI regulations that have allowed India's Financial Inclusion R

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Sibarani, Bintang B., Rida Prihatni, and Etty Gurendrawati. "Kontribusi Fintech Pada Inklusi Keuangan Di Negara Pasar Berkembang-Sebuah Meta Analysis." JURNAL ILMIAH M-PROGRESS 15, no. 2 (2025): 411–23. https://doi.org/10.35968/mpu.v15i2.1466.

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The contribution of this meta analysis study is to explore the role of fintech innovations on financial inclusion in emerging markets such as Africa, India, Turkey, and the ASEAN region, in expanding financial access, improving literacy, and supporting the achievement of greater financial inclusion through a meta-analysis. In emerging markets, financial inclusion remains a major challenge due to limited banking infrastructure, low financial literacy, and geographic barriers, especially in rural areas. In countries such as Indonesia, India, Nigeria, Bangladesh, Brazil, and Kenya, a large portio

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Anurag, Anurag. "A Study on the Effect of Digital Banking on Financial Inclusion in the Indian Context." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04339.

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Abstract: This research investigates the impact of digital banking on financial inclusion in India. As digital platforms like UPI, internet banking, and mobile apps expand, banks are now able to serve more customers, even in remote areas. This study assesses how digital banking has enhanced access to financial services, improved efficiency, reduced transaction costs, and influenced customer behavior. Using a mixed-methods approach, the study evaluates primary data through questionnaires and surveys and secondary data from journals and reports. Findings indicate that digital banking has played

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P. S. Aithal, Abdul Khalid,. "A Study on Mobile Based Nbfc Catering Towards Rural Indian Customers – Special Reference To Igatpuri in Maharastra." Journal of Neonatal Surgery 14, no. 18S (2025): 1227–34. https://doi.org/10.63682/jns.v14i18s.5924.

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This study is an attempt to find the impact & usage of Mobile application financial services need of rural customers, it is intrinsic to economic development that in developing countries, the tendency has been to think of a finance as a basic right, comparable to drinking water, health etc. While access to finance may be a critical factor for many households to hoist themselves out of poverty, it is not necessary that access must come from a relationship with help of technology , data science and Machine learning based rule engine platform tightly coupled with mobile application. This stud

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Kanungo, Elina. "An Analysis of Digital Financial Awareness and Satisfaction of People Using Digital Banking Products." International Journal of Digital Literacy and Digital Competence 13, no. 1 (2022): 1–14. http://dx.doi.org/10.4018/ijdldc.309100.

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The digitalization of the financial sector has changed the ways in which services were offered to people in India. The constant escalation in the use of smartphones and growing internet coverage has made the digital accessibility of the different financial services, including banking services, easy and has paved the way to achieve the objective of inclusive growth. The present work aimed to study digital financial awareness (DFA) and its usage among people of different age groups residing in urban and rural places of Puri district in the state of Odisha, India. The data used was both reliable

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Sonia, Sonia. "Catalysts of Growth: The Role of Commercial Banks in India's Economic Development." International Journal of Global Research Innovations & Technology 03, no. 02(II) (2025): 143–52. https://doi.org/10.62823/ijgrit/03.2(ii).7732.

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Commercial banks are the backbone of a nation’s financial architecture, and their role in promoting economic development is both foundational and evolving. In the context of India, a rapidly growing and diversifying economy, the role of commercial banks extends far beyond traditional deposit-taking and lending. This paper examines how commercial banks in India contribute to key dimensions of economic development such as credit expansion, financial inclusion, infrastructure financing, and support for micro, small, and medium enterprises (MSMEs). Employing a secondary research methodology, the p

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Singh, Renu, and Garima Malik. "Impact of Digitalization on Indian Rural Banking Customer: With Reference to Payment Systems." Emerging Economy Studies 5, no. 1 (2019): 31–41. http://dx.doi.org/10.1177/2394901519825912.

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Moving on from the physical clearance of the cheques to the CTS technology, from brick and mortar model of the banks to the internet banking and mobile banking, launch of BHIM and UPI application, digitalization has become a buzz word in today’s era. Information Technology today has a crucial role to play in an efficient banking system, and Indian banks have placed a strong infrastructure to leverage its benefits by moving on to contextual banking and open Application Programming Interface. Though riddled with lot of risk, banking services have steadily moved forward with digitalization to off

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Dash, Bibhu, Meraj F. Ansari, Pawankumar Sharma, and Swati Swayam siddha. "Future Ready Banking with Smart Contracts - CBDC and Impact on the Indian Economy." International Journal of Network Security & Its Applications 14, no. 5 (2022): 39–49. http://dx.doi.org/10.5121/ijnsa.2022.14504.

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India is significantly diverse in culture and how it promotes business transactions. Though we are very acquainted with cash, cards, and online mode of payment, the Indian rural economy still believes in the barter system. At this juncture, India is evolving as a tech power house, and its economy is thriving to embrace cryptocurrency as a medium of exchange. After the Indian finance minister declared the same last February that India is working towards building its legal tender called Central Bank-backed Digital Currency (CBDC), this paper is making an impact in explaining our strengths, weakn

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Gopishetty Lekhya and Dr. S. Narender. "A STUDY ON THE IMPACT OF INFORMATION TECHNOLOGY(IT) ON BANKING SECTOR WITH REFERENCE TO SBI, HYDERABAD." International Journal of Management Research and Business Strategy 15, no. 2 (2025): 190–202. https://doi.org/10.62653/ijmrbs.2025.v15.i2.pp190-202.

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Information Technology (IT) has transformed the State Bank of India (SBI), enhancing operational efficiency, customer service, and competitiveness. SBI uses IT tools such as mobile and internet banking, core banking solutions, ATMs, digital wallets, and AI to improve transaction speed, accuracy, risk management, and decision-making. Based on data from reports and surveys, the study finds a strong link between IT adoption and increased customer satisfaction, scalability, and rural outreach. Despite challenges like cybersecurity and resistance to change, SBI continues to lead in digital innovati

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Sonia, Sonia. "The Role of Artificial Intelligence in the Banking Sector in India: Opportunities, Challenges, and the Road Ahead." International Journal of Innovations & Research Analysis 05, no. 02(II) (2025): 162–72. https://doi.org/10.62823/ijira/5.2(ii).7736.

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The rapid advancement of Artificial Intelligence (AI) has profoundly reshaped the global banking landscape, and India is no exception. In recent years, Indian banks, both public and privatehave begun to embrace AI technologies to improve operational efficiency, enhance customer experience, and manage risks more effectively. From intelligent chatbots and credit scoring models to fraud detection systems and automated investment advisory services, AI is revolutionizing how financial institutions interact with their clients and make data-driven decisions. This research paper aims to examine the gr

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Dr., Roshan Lal Rohilla. "Legal Issues Involved in Electronic Payments System in India." International Journal of Current Science Research and Review 07, no. 02 (2024): 864–71. https://doi.org/10.5281/zenodo.10603941.

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Abstract : The Indian economy has developed rapidly after the induction of digital interfaces in commerce, trade, and industry particularly after the popularisation of electronic payment systems or digital banking. Since 2016 when the Government of India announced demonetization, electronic payments have been rising and are expected to continue in the future because the government has promoted these types of payments. Internet penetration in India was 47 percent in 2022 and it was more than 100 percent in urban areas as compared to rural areas, now with the expansion of the information technol

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Poonam, Singh. "Financial Inclusion and Digital Banking: Assessing Progress and Challenges in Bridging the Rural-Urban Divide in India Towards 2047." International Journal of Advance and Applied Research S6, no. 19 (2025): 717–23. https://doi.org/10.5281/zenodo.15112819.

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<em>Financial inclusion is one of the crucial pillars of economic growth. It allows essential financial services to touch the lives of everyone. Digital banking was also the biggest push in fulfilling this objective of India's goal: being a developed economy by the year 2047. This study looks at financial inclusion through digital banking in terms of the progress, challenges, and future opportunities it brings using secondhand information obtained from government reports, Reserve Bank of India (RBI) publications, financial figures from the World Bank, and academic research. The paper researche

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Lakshimi, Velupuri Sai. "The Financial Inclusion in India - An Overview of Initiatives, Achievements and Challenges." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41592.

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By making trade, investment, and sustainable development possible, finance not only supports economic growth at the national level but also shapes societies. To ensure that all facets of society may take part in and profit from economic advancement, a robust financial system is necessary to promote inclusive and long- term economic growth in developing, underdeveloped, and even developed countries. One of the main forces behind equitable development is financial inclusion, which is the provision of timely, sufficient, and reasonably priced financial services to people and enterprises, especial

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Utpala, Vanmali. "DIGITAL BANKING – ROADWAY TO SUCCESS." International Journal of Marketing & Financial Management 4, no. 8 (2016): 39–47. https://doi.org/10.5281/zenodo.10815957.

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<strong>ABSTRACT </strong> <strong> </strong> <strong>OBJECTIVE - </strong>To evaluate the current status of E-banking and study the respondents review. The advancement in the technology paved new ways of delivering bank facilities to the customer, such as ATMs & Internet Banking. Hence banks have come a long way from its traditional banking methods. This research paper throws light on the response to E-Banking facilities by Indian as well as customers residing abroad. As it has been more than three decades since the E-Banking concept came into existence, it becomes very much essentia

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NAND, KISHOR, and MOHAN V. KRISHNA. "DIGITAL TRANSFORMATION OF SHGs: EXPLORING THE ADOPTION OF FINTECH SOLUTIONS IN RURAL INDIA." Xi'an Shiyou Daxue Xuebao (Ziran Kexue Ban)/Journal of Xi'an Shiyou University, Natural Sciences Edition 66, no. 08 (2023): 256–69. https://doi.org/10.5281/zenodo.8289259.

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<strong>Abstract</strong> SHGs have long played a pivotal role in empowering women and fostering community development, particularly by providing access to microfinance and promoting entrepreneurship. However, these groups have faced impediments in accessing formal financial services, hindering their growth and impact. The emergence of fintech solutions has offered a promising path for SHGs to bridge this gap. Mobile banking, digital payments, and peer-to-peer lending platforms are some of the fintech innovations that have gained momentum among SHGs in diverse regions. This study delves into t

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Dr., Archana Bhausaheb Hase. "Recent Development in Unified Payments Interface." Young Researcher S14, no. 1B (2025): 39–45. https://doi.org/10.5281/zenodo.14856677.

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<em>The Unified Payments Interface (UPI) has emerged as a transformative force in India’s digital payments sector, redefining financial transactions and strengthen financial inclusion. UPI’s hallmark lies in its excellent, secure, and interoperable platform facilitating instant money transfers across various bank accounts. This simplicity has not only minimize the dependency on cash but has also eliminated the complexities associated with traditional banking procedures, particularly benefiting unbanked and under-banked individuals</em> <em>The impact of UPI extends beyond basic tra

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Patel, Harshad, and Kanishk Shah. "Payment Bank: Indian Post Payment Bank towards financial inclusion through Digitalization." RESEARCH HUB International Multidisciplinary Research Journal 9, no. 3 (2022): 30–38. http://dx.doi.org/10.53573/rhimrj.2022.v09i03.005.

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In India, due to the financial deprivation of the poor and disadvantaged it has resulted in many citizens not being able to properly access important banking institutions and services that hinder the growth and financial progress of a few. This is very common in rural areas, hence the need to address the above problem. India's financial system has seen dramatic changes since 1991. The banking sector is one of the most efficient after the liberation, and success can be attributed to the major banking changes made by the RBI and other major technological changes that have taken place over the ye

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