Mobile banking services adoption in India: the current scenario Online publication date: Wed, 22-Nov-2023
by Amit Kumar Arora; Dhruv Sharma
International Journal of Business and Globalisation (IJBG), Vol. 35, No. 3, 2023
Abstract: With the help of mobile phones, the whole scenario of banking and financial transactions has undergone a paradigm shift from the long waiting queue in the bank to going through rigorous channels for banking services to the customer's home desktop and laptop. The study aimed to know the impact of demonetisation on m-banking transactions and to know the current significant factors for the non-adoption of m-banking. The secondary data was taken from the official website of RBI, while primary data was collected through questionnaire from the urban area of the National Capital Region of India. The study found significant change in m-banking transactions after the demonetisation in India. The reasons behind the non-adoption of m-banking were found to be a lack of trust/risk, lack of awareness/knowledge, and inconvenience/not technology friendly. The study recommended that the banks and the government take the necessary steps to make m-banking transactions more secure and safer.
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