UNVEILING THE DETERMINANTS OF DIGITAL FINANCIAL INCLUSION IN RURAL INDIA: A CONCEPTUAL FRAMEWORK

UNVEILING THE DETERMINANTS OF DIGITAL FINANCIAL INCLUSION IN RURAL INDIA: A CONCEPTUAL FRAMEWORK

Registration ID: IJNRD_224868

Published ID: IJNRD2407251

DOI: Click Here to Get

Jyoti , Hareesh Kumar T

Digital Financial Inclusion, Digital Financial Services, Behavioral Intention, Usage Behavior, Rural Communities.

Digital financial services are crucial for the overall economic growth of any country. Digital financial inclusion aims to provide financial products and services digitally to the economically underprivileged sections of society. The government has nevertheless taken distinct approaches to promoting digital financial inclusion in India. Digital financial inclusion (DFI) strives to reach vulnerable areas by digital means that lag in assessing financial products and services. To enhance their service delivery and offer better digital services, financial institutions and FinTech companies should use this research to understand the factors influencing the decision to use digital financial services. To extend the theoretical understanding of digital financial inclusion, this study aims to postulate a conceptual framework on determinants of digital finances in rural areas through a critical literature review. The findings discovered that perceived usefulness, perceived ease of use, structural assurance, perceived risk, resource-facilitating conditions, technology-facilitating conditions, government support, and social influence are the major determinants of digital financial inclusion in rural areas, which give rise to the behaviour intention which ultimately leads to the usage behaviour. The study adds to the knowledge of digital financial inclusion.

Published Paper   E-Certificate

"UNVEILING THE DETERMINANTS OF DIGITAL FINANCIAL INCLUSION IN RURAL INDIA: A CONCEPTUAL FRAMEWORK", IJNRD - INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (www.IJNRD.org), ISSN:2456-4184, Vol.9, Issue 7, page no.c463-c471, July-2024, Available :https://ijnrd.org/papers/IJNRD2407251.pdf

Volume 9 Issue 7, July-2024

Pages : c463-c471

Paper Reg. ID: IJNRD_224868

Published Paper Id: IJNRD2407251

Downloads: 000121229

Research Area: Commerce

Country: JIND, Haryana, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2407251.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2407251

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

ISSN: 2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar | ESTD YEAR: 2016

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

Publisher: IJNRD (IJ Publication) Janvi Wave

This work is licensed under a Creative Commons Attribution 4.0 International License and The Open Definition

Call For Paper - Volume 10 | Issue 8 | August 2025

IJNRD is Scholarly open access journals, Peer-reviewed, and Refereed Journals, High Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool), Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) with Open-Access Publications.

INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (IJNRD) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies. The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world. IJNRD will provide an opportunity for practitioners and educators of engineering field to exchange research evidence, models of best practice and innovative ideas.

Indexing In Google Scholar, SSRN, ResearcherID-Publons, Semantic Scholar | AI-Powered Research Tool, Microsoft Academic, Academia.edu, arXiv.org, Research Gate, CiteSeerX, ResearcherID Thomson Reuters, Mendeley : reference manager, DocStoc, ISSUU, Scribd, and many more

How to submit the paper?

Important Dates for Current issue

Paper Submission Open For: August 2025

Current Issue: Volume 10 | Issue 8

Last Date for Paper Submission: Till 31-Aug-2025

Notification of Review Result: Within 1-2 Days after Submitting paper.

Publication of Paper: Within 01-02 Days after Submititng documents.

Frequency: Monthly (12 issue Annually).

Journal Type: International Peer-reviewed, Refereed, and Open Access Journal.

Subject Category: Research Area