THE STUDY ON DIGITAL INCLUSION IN SMALL SCALE AROUND CHENNAI CITY

Registration ID: IJNRD_181347

Published ID: IJNRD2205055

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MADHUMITA M

Digital srvices; digital transactions; UPI Payments; Online transactions; digital banking

Financial inclusion may be defined as the process of ensuring access to financial services and adequate credit where needed by vulnerable groups such as weaker sections and low income at an affordable cost. Digital finance is a financial service delivered through mobile phones, personal computers, the internet or cards linked to a reliable digital payment system Digital finance has the potential to provide affordable, convenient and secure banking service. The major objectives of this study were to determine usage and reasons for preferring digital services by the retailers and their level of satisfaction along with the benefits accrued in digital services. Research design used for the study was descriptive in nature. Simple random sampling technique was used to select the sample size of 150 respondents. Both primary and secondary data was used for the study. Primary data collection technique adopted was well-structured questionnaire. Collected questionnaire was analyzed using statistical tools like percentage analysis, Chi square test and weighted average mean. The percentage analysis showed that majority of the respondents were provision store owners. The findings revealed that very fast/ time saving is the major factor to utilize digital payments. And the reason to upgrade to digital transactions was easy transfer of funds where it provides an easier way to check payment status by just viewing the UPI statements. The major problem behind digital service is that the issue of network in receiving and making payments. The results showed that there is a relationship between (i) monthly sales and bank charges for UPI payments; (ii) monthly income via UPI payments and services charges imposed by banks and (iii type of UPI payment and its success rate. It was suggested that the banks can offer digital banking services in regional languages so that it is easy to use for all the people. The study can be concluded that all the Digital banking services, play an important role in building satisfaction amongst the customers and increasing their preferences towards the emerging e-channel banking services.

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MADHUMITA M (May-2022). THE STUDY ON DIGITAL INCLUSION IN SMALL SCALE AROUND CHENNAI CITY . INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 7(5), 512-517. https://ijnrd.org/papers/IJNRD2205055.pdf

Volume 7 Issue 5, May-2022

Pages : 512-517

Paper Reg. ID: IJNRD_181347

Published Paper Id: IJNRD2205055

Downloads: 000122257

Research Area: Other

Author Type: Indian Author

Country: Chennai, Tamil Nadu, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2205055.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2205055

Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

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