An Empirical Examination of Digital Banking Adoption among Rural Consumers in Dharwad

• Author(s): Tazeentaj Mahat
• Paper ID: 1705265
• Page: 75-79
• Published Date: 07-12-2023
• Published In: Iconic Research And Engineering Journals
• Publisher: IRE Journals
• e-ISSN: 2456-8880
• Volume/Issue: Volume 7 Issue 6 December-2023

Abstract

Financial inclusion has garnered increased attention in recent times due to its crucial role in fostering economic growth, promoting equality, facilitating company expansion, and ensuring the sustainability of banking and financial institutions. This study seeks to comprehend the factors influencing the adoption of digital banking among rural populations, aiming to understand the effectiveness of technology in promoting financial inclusion. Employing the UTAUT Model along with additional components such as relative benefits and relative risks, the research utilized a self-administered questionnaire distributed in the rural areas of Dharwad. The collected data was then evaluated using the SPSS software. The results reveal that various factors, including performance expectations, effort expectancies, social influence, and facilitating conditions, significantly impact the intentions of rural customers to embrace digital banking. Interestingly, relative risks were found to be inconsequential in this context.

Keywords

Digital Banking, Rural Customers, Financial Inclusion

Citations

IRE Journals:
Tazeentaj Mahat "An Empirical Examination of Digital Banking Adoption among Rural Consumers in Dharwad" Iconic Research And Engineering Journals Volume 7 Issue 6 2023 Page 75-79

IEEE:
Tazeentaj Mahat "An Empirical Examination of Digital Banking Adoption among Rural Consumers in Dharwad" Iconic Research And Engineering Journals, 7(6)