Impediments in Use of Financial Services: Evidence Fromnorth East India

Roy, Sankharaj; Mission, State

doi:10.24818/rfb.20.12.01.01

Cited by 2 publications

(1 citation statement)

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“…Renuka (2015), argued that all these characteristics along with the proximity of BCs, all day availability of BC agents, and their responsiveness to customer needs motivate individuals to open accounts through BC agents. Similarly, Roy (2020) found that the presence of BC agents signi…cantly a¤ects the use of banking services.…”

Section: Review Of Literaturementioning

confidence: 90%

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2023

RFB

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In India, the business correspondent model was introduced to improve banking outreach in remote and rural areas. Although the BC Model struggled in the initial years, but in the last decade it has made continuous strides and currently provides banking services in more than 95% of villages in India. This research paper is targeted at investigating the impact of the BC Model on …nancial inclusion. To ful…ll this objective, …rstly, on the basis of theoretical support, we identi…ed the factors that a¤ect the usage of banking services through the business correspondent agents and then the impact of the identi…ed factors on the banking usage behavior have been empirically tested using PLS-SEM. The …ndings reveal that the a¤ordability of banking services at BC point, proximity of BC agents and time saved in accessing banking services through BC agent exerts a signi…cant positive impact on banking usage behavior.

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Section: Review Of Literaturementioning

confidence: 90%