Mother Tongue Friendly e-Delivery Banking Channels in India - Ultimate Solution for its Popular Usage

Gupta, Dr.Dinesh Kumar; Gupta, Pradeep Kumar

doi:10.2139/ssrn.1147382

Cited by 5 publications

(5 citation statements)

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“…The implication of financial access to unemployment could be expressed twofold. Firstly, the increasing penetration of ATMs has improved financial inclusion and work as an effective tool to provide access to financial services to rural and unbanked areas in India (Gupta, 2008). A well-developed ATM and bank branches can accelerate long-run economic growth by decreasing transaction costs and increasing credit access (Petkovski & Kjosevski, 2014).…”

Section: Hypothetical Relationshipsmentioning

confidence: 99%

The Impact of Financial Access on Gender Unemployment: Panel Data Evidence from in 51 developed and developing countries

2021

BJSSH

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Unemployment is a frequently debated issue, and the issue has become more pressing since studies have indicated that females and males are encountering degrees of unemployment. This study investigates the influence of financial access on unemployment between females and males. Data from 51 developed and developing countries from 2004 to 2016 is analysed by deploying the dynamic panel system generalized method of moments estimators. This paper contributes to the literature by utilising the number of bank branches and automated teller machines to proxy financial access indicators. The availability of the papers that examine these indicators is limited. Besides, this study is novel because no attempt has been made to compare the effect of financial access on female and male unemployment using a panel dataset. The results showed that financial access indicators positively associate with female and male unemployment, probably due to the detrimental effect of financing on job creation. In addition, the positive relationship between employment and financial access is more significant for male unemployment than female unemployment, which might relate to the argument that males are more exposed to formal financial services. Furthermore, bank branches have a more noticeable impact and stronger influence than automated teller machines in affecting female and male unemployment rates. This paper suggests that governments need to improve the financial system to create the positive impacts of financial access on employment and reduce negative shocks to the economy via formal financial institutions. Lastly, alternative financial channels, such as microfinance, could be promoted as an alternative to formal financial institutions.

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Section: Hypothetical Relationshipsmentioning

confidence: 99%

The Impact of Financial Access on Gender Unemployment: Panel Data Evidence from in 51 developed and developing countries

2021

BJSSH

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“…Many studies have focussed on finding the role of different policy initiatives to expand the coverage of financial inclusion. Such programmes include agendas on financial literacy, small subsidy payments, spread of mobile services and automated teller machines (ATMs), appointment of representatives or agents, mobile banking, self-help group (SHG)–Bank linkage, and microfinance institution–bank linkage which are strategies to enhance financial inclusion (Cole, Sampson, & Zia, 2009; Ghosh, 2007; Gupta & Gupta, 2008; Mukhopadhyaya & Rath, 2012; Pickens, Porteous, & Rotman, 2009; Reddy, 2010; Ravichandran & Alkhathlan, 2009; Shetty, 2008). In a study on Andhra Pradesh, Ananth and Oncu (2013) highlighted the challenges as well as the problems faced by people for financial inclusion and suggested an emphasis on public sector banks and co-operative banks for the attainment of financial inclusion.…”

Section: Review Of Literaturementioning

confidence: 99%

Determinants of Financial Inclusion in Tribal Districts of Odisha: An Empirical Investigation

2017

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The study has tried to investigate the status of the financial inclusion of tribal people in two tribal concentrated districts, namely Bolangir and Mayurbhanj, in the state of Odisha. Field investigations were undertaken to find out the status of financial inclusion in six villages of these two districts where the proportion of the tribal population was larger than that of the total population. Primary data were collected from 300 households by using a semi-open survey schedule. It was found that about 71.7 per cent of households had no savings bank accounts; 70.7 per cent were not involved in self-help group activities and 97.7 per cent did not have post office savings accounts. Additionally, a logit regression model was used to identify the various determinants of financial inclusion of tribal households. The results revealed that years of education attained by the household head, size of private-owned land, total annual income of the household and participation in the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) were significant determinants for financial inclusion among tribal people.

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“…These payments are more than two times more cost-effective than the financial literacy training. Gupta and Gupta (2008) find that increasing proliferation of mobile services and ATMs in rural areas of India has created a new opportunity to attain financial inclusion and thus an effective tool to provide financial services to the un-banked areas with reduced overheads. They have helped in providing access to banking services in remote rural destinations of India.…”

Section: Objectives Of the Study (I)mentioning

confidence: 99%

Customer Satisfaction towards Financial Inclusion: A Case Study of Rural Cooperative Banks in Belgaum District

Korbu¹

2016

MANTHAN

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Co-operative banks are playing an important role in the achievement of the goal of financial inclusion. These banks with their extensive branch network and localized operational base, also engage in recreation of the development process, credit delivery and deposits mobilization in rural areas. Through their variety of services, they are reaching vulnerable sections of the society. In this paper, an attempt has been made to study the customer satisfaction towards financial inclusion by rural co-operative banks. The sample units constitute 100 cooperative banks (registered under the KCS Act, 1956) and 300 Customers from three regions (i.e. Belagavi, Chikkodi, Bailhongal headed by ARCS) of Belgaum District selected randomly. The study focuses on the classification of customers on the basis of age, gender, education, occupation, annual income and type of accounts they hold. This research finds reasons for not possessing a bank account, level of awareness of customers towards banking services, factors determining satisfaction of their bank, and the level of satisfaction of customers towards banking services. The study concludes with suitable suggestions to improve the customer satisfaction.

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Mother Tongue Friendly e-Delivery Banking Channels in India - Ultimate Solution for its Popular Usage

Cited by 5 publications

References 0 publications

The Impact of Financial Access on Gender Unemployment: Panel Data Evidence from in 51 developed and developing countries

The Impact of Financial Access on Gender Unemployment: Panel Data Evidence from in 51 developed and developing countries

Determinants of Financial Inclusion in Tribal Districts of Odisha: An Empirical Investigation

Customer Satisfaction towards Financial Inclusion: A Case Study of Rural Cooperative Banks in Belgaum District

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