Evaluative study finds strong correlation between digital financial literacy and e-governance adoption in rural households, suggesting targeted interventions are needed.
This study evaluates the level of digital financial literacy (DFL) among rural households in Jalna district, Maharashtra, and its impact on the adoption of e-governance services through the Aaple Sarkar portal. Using a structured questionnaire administered to 300 respondents across all eight talukas, and employing descriptive statistics, Pearson correlation, multiple linear regression, and chi-square tests, the study finds an overall composite DFL score of 2.92/5 (low-to-moderate). A strong positive correlation (r = 0.673, p < 0.001) is observed between DFL and service adoption. Key predictors of adoption are smartphone usage (β = 0.318), online portal navigation (β = 0.291), and digital payment awareness (β = 0.247). Primary barriers include poor internet connectivity (76%), lack of awareness (71.3%), and language barriers (66%). Targeted digital literacy interventions, infrastructure development, and Marathi-language portal redesign are recommended for inclusive e-governance in rural Maharashtra.
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Satish Dhoke (2026) studied this question.
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