Examines digital banking effects on financial inclusion in Tamil Nadu’s delta regions, suggesting significant benefits.
This study examines the impact of digital banking on financial inclusion in the selected delta regions of Tamil Nadu, India. These regions, mostly depends on agriculture, represent segment of the population where financial access has historically been limited by geographical, infrastructural, and awareness related barriers. With the rapid growth of smart phone usages, affordable internet connectivity, and government’s digital initiatives such as the Pradhan Mantri Jan Dhan Yojana (PMJDY) and the Digital India campaign, Digital banking has emerged as a transformative force in bridging the financial divide. The study explains level of awareness, adaptation, and usage patterns of the digital banking services among 150 respondents from the selected delta districts. Usage statistical tools including Chi-square tests and Pearson Correlation analysis, the research investigates demographic factors such as age, gender, qualification, occupation, and income and their relationship with digital banking behaviour and perceptions. The analysis of (UPI) Transaction data from 2019-2020 to 2023-2024 further validates the remarkable growth of the digital payments in India, with total UPI transactions rising from 1251.9 crore to 13116.4 crore.
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Chandrasekar et al. (2026) studied this question.
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