Digital banking has become an important component of modern financial systems, offering convenient and efficient banking solutions. However, its adoption among rural populations remains limited due to low awareness and inadequate financial knowledge. This study aims to examine the influence of financial literacy on the adoption of digital banking services among rural people in Kolhapur District. The research focuses on understanding the level of financial literacy, awareness of digital banking facilities, and factors affecting their usage. Primary data were collected from rural respondents using a structured questionnaire, while secondary data were obtained from reports, journals, and banking publications. Statistical tools such as percentage analysis, mean scores, and correlation analysis were used for data interpretation. The findings reveal that financial literacy plays a crucial role in encouraging rural users to adopt digital banking services. Individuals with better understanding of basic financial concepts and digital tools show higher confidence and willingness to use online banking platforms. The study also identifies major challenges including lack of digital skills, fear of fraud, and limited internet connectivity. The research highlights the need for financial education initiatives and awareness programs to improve digital banking adoption and strengthen financial inclusion in rural areas.
Patel et al. (2026) studied this question.