Enablers and barriers of mobile banking opportunities in rural India: a strategic analysis
by Abhishek Behl; Manju Singh; V.G. Venkatesh
International Journal of Business Excellence (IJBEX), Vol. 10, No. 2, 2016

Abstract: The development of financial inclusive sector in India has been promising with mobile technology playing a prominent role. The rate of growth of rural teledensity is phenomenal. Mobile banking (M-Banking) has therefore proved to be a win-win situation for both banks and telecom companies. On a parallel track, it is seen that acceptance and adoption of mobile as a channel has been an issue in rural areas. There seems to be dearth of analysis of factors resulting in the slow rate of growth. This paper attempts to dig out barriers and enablers of M-Banking in rural India and weave them using an interpretive structural modelling (ISM). The model results in connecting the dots and help the policy makers of banks and telecom companies analyse the issues faced at various levels. The results will add to the body of literature and simultaneously help practitioners to understand the various levels of implementation.

Online publication date: Sun, 31-Jul-2016

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