Reflection of Gender Digital Divide on Digital Financial Inclusion in Context of Indian Bankers: An Empirical Analysis

Minu Gupta and Ravi Kiran

SAGE Open, 2024, vol. 14, issue 4, 21582440241288980

Abstract: The study aims to examine the presence of gender difference in Digital Financial Inclusion of Indian bankers reflected through Gender Digital Divide. UTAUT2 model was adopted to examine the Behavioral Intention of bankers to adopt Digital Banking. Structured questionnaires framed on 5-point Likert scale were distributed among 300 bankers, selected through random sampling, and received 260 completed questionnaires. Statistical data analysis was done using PLS-SEM. Findings reveal that five out of the eight UTAUT2 factors (Perceived Usefulness, Social Influence, Hedonic Motivation, Habit, and Price Value) have significant roles for men and three have significant roles for women (Perceived Ease of Use, Personal Innovativeness, and Facilitating Conditions). Research indicates that women are trailing behind in the use of digital banking, which is concerning because their internet banking adoption and usage can motivate other women to use digital media, thereby raising their Financial Inclusion level.

Keywords: technology adoption models; digital financial inclusion; adoption intention; female employees; gender digital divide (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:sae:sagope:v:14:y:2024:i:4:p:21582440241288980

DOI: 10.1177/21582440241288980

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