Electronic Banking And Financial Inclusion In Developed And Developing Nations

Registration ID: IJNRD_311686

Published ID: IJNRD2601111

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Dr.CH Swathi

Electronic Banking (e-banking), Access to Capital, Industrialised Country, Digital Payments.

Practically all of us are avid users of online banking, mobile banking and FinTech apps, courtesy of broad internet penetration and penetration of the mobile phone. It did this by making money for individuals and companies simple, thereby promoting economic growth, and creating a more inclusive financial universe. Fintech innovations that include P2P lending, online fundraising, digital wallets have multiplied the tentacles of financial services and brought the very concept of financial inclusion down to earth for many. On the other hand the developing world in general do present specific barriers to e-banking system adoption. Phones are ubiquitous, but access to the internet and digital infrastructure are a hindrance to the scale of platforms. There are some efforts, despite these challenges, that have already achieved relatively good results in increased finance accessibility. Mobile banking, especially, has received extensive application, and through mobile money bankless secure and convenient financial transactions are made possible. Artificial Intelligence Furthermore, the evolution of artificial intelligence gave rise to a boost in the possibility of implementing e-banking in a developed or developing country. Customer care, financial services automation, as well as secured fast settlement have been the use cases. With the help of AI-based algorithms, banks can provide customers with personalized advice on their financial matters, detect suspicious activity in real time and make more sophisticated credit scoring. In developing countries, AI can also make it easier for fintech companies to assess credit worthiness and extend loans to people who do not have standard credit files. However, the e-banking and the AI technologies adoption is challenged by regulatory, data privacy and technology competence barriers. Introduction In the western world, those countries had a good legal system, infrastructure to go in e-banking, but in the developing world, they had a reluctance to put a regulatory framework and capacity building of tools of technology. Last but not least, mobile banking will make wonderful impacts on financial inclusion, especially in the developing world where traditional banking is not that prevailing.

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Dr.CH Swathi (January-2026). Electronic Banking And Financial Inclusion In Developed And Developing Nations. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 11(1), b73-b81. https://ijnrd.org/papers/IJNRD2601111.pdf

Volume 11 Issue 1, January-2026

Pages : b73-b81

Paper Reg. ID: IJNRD_311686

Published Paper Id: IJNRD2601111

Research Area: Management All

Author Type: Indian Author

Country: Hyderabad, Telangana, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2601111.pdf

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

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