Abstract
Aim: The use of e-banking in rural India is examined in this study, which also identifies possibilities, obstacles, and methods to improve financial inclusion through digital banking services. Methodology: The research uses a mixed-approaches methodology, combining qualitative case studies from different rural areas with quantitative surveys. Using standardized surveys and interviews, information is gathered from MSMEs, bank customers, and rural consumers. To ascertain adoption patterns, obstacles, and satisfaction levels, analytical methods including regression models and theme analysis are employed. Results: The results show that although digital banking services are becoming more popular in rural India, traditional banking preferences, insufficient internet connectivity, digital illiteracy, and security concerns are preventing their widespread adoption. Age, income, and education are important demographic variables that have a big impact on adoption. Rural customers still have difficulty switching to digital banking channels, even with government programs like Digital India and Bharat Net. Financial inclusion has been greatly aided by mobile banking, while poor trust and cybersecurity risks continue to be major issues. Conclusion: In rural India, digital banking adoption must be accelerated through a diverse strategy. This entails building regional financial education programs, strengthening cybersecurity protocols, increasing internet accessibility, and boosting digital literacy programs. To close the gap between digital banking access and financial market engagement, future studies should examine the long-term effects of digital financial education on investment decisions, specifically in mutual fund participation.
Keywords
E-Banking, Mobile Banking, Digital Transactions, Rural Banking
Citations
IRE Journals:
Prajapati Ami Sanjaybhai, Dr. Parth Chhabra "E-Banking Adoption in Rural India: Challenges, Opportunities, and the Path Forward" Iconic Research And Engineering Journals Volume 9 Issue 4 2025 Page 1717-1722
IEEE:
Prajapati Ami Sanjaybhai, Dr. Parth Chhabra
"E-Banking Adoption in Rural India: Challenges, Opportunities, and the Path Forward" Iconic Research And Engineering Journals, 9(4)
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