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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016 Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) |
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| Paper Title: | THE STUDY ON DIGITAL INCLUSION IN SMALL SCALE AROUND CHENNAI CITY |
| Authors Name: | MADHUMITA M |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJNRD_181347
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| Published Paper Id: | IJNRD2205055 |
| Published In: | Volume 7 Issue 5, May-2022 |
| DOI: | |
| Abstract: | Financial inclusion may be defined as the process of ensuring access to financial services and adequate credit where needed by vulnerable groups such as weaker sections and low income at an affordable cost. Digital finance is a financial service delivered through mobile phones, personal computers, the internet or cards linked to a reliable digital payment system Digital finance has the potential to provide affordable, convenient and secure banking service. The major objectives of this study were to determine usage and reasons for preferring digital services by the retailers and their level of satisfaction along with the benefits accrued in digital services. Research design used for the study was descriptive in nature. Simple random sampling technique was used to select the sample size of 150 respondents. Both primary and secondary data was used for the study. Primary data collection technique adopted was well-structured questionnaire. Collected questionnaire was analyzed using statistical tools like percentage analysis, Chi square test and weighted average mean. The percentage analysis showed that majority of the respondents were provision store owners. The findings revealed that very fast/ time saving is the major factor to utilize digital payments. And the reason to upgrade to digital transactions was easy transfer of funds where it provides an easier way to check payment status by just viewing the UPI statements. The major problem behind digital service is that the issue of network in receiving and making payments. The results showed that there is a relationship between (i) monthly sales and bank charges for UPI payments; (ii) monthly income via UPI payments and services charges imposed by banks and (iii type of UPI payment and its success rate. It was suggested that the banks can offer digital banking services in regional languages so that it is easy to use for all the people. The study can be concluded that all the Digital banking services, play an important role in building satisfaction amongst the customers and increasing their preferences towards the emerging e-channel banking services. |
| Keywords: | Digital srvices; digital transactions; UPI Payments; Online transactions; digital banking |
| Cite Article: | "THE STUDY ON DIGITAL INCLUSION IN SMALL SCALE AROUND CHENNAI CITY ", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.7, Issue 5, page no.512-517, May-2022, Available :http://www.ijnrd.org/papers/IJNRD2205055.pdf |
| Downloads: | 000118753 |
| ISSN: |
2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
| Publication Details: |
Published Paper ID:IJNRD2205055 Registration ID: 181347 Published In: Volume 7 Issue 5, May-2022 DOI (Digital Object Identifier): Page No: 512-517 Country: Chennai, Tamil Nadu, India Research Area: Other Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2205055 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2205055 |
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ISSN: 2456-4184
Impact Factor: 8.76 and ISSN APPROVED
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