Paper Title
UNVEILING THE DETERMINANTS OF DIGITAL FINANCIAL INCLUSION IN RURAL INDIA: A CONCEPTUAL FRAMEWORK
Article Identifiers
Authors
Jyoti , Hareesh Kumar T
Keywords
Digital Financial Inclusion, Digital Financial Services, Behavioral Intention, Usage Behavior, Rural Communities.
Abstract
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.
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How To Cite (APA)
Jyoti & Hareesh Kumar T (July-2024). UNVEILING THE DETERMINANTS OF DIGITAL FINANCIAL INCLUSION IN RURAL INDIA: A CONCEPTUAL FRAMEWORK. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 9(7), c463-c471. https://ijnrd.org/papers/IJNRD2407251.pdf
Issue
Volume 9 Issue 7, July-2024
Pages : c463-c471
Other Publication Details
Paper Reg. ID: IJNRD_224868
Published Paper Id: IJNRD2407251
Downloads: 000121986
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
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Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)
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This work is licensed under a Creative Commons Attribution 4.0 International License and The Open Definition
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