Demographic Discriminators in the Adoption of Banking Services: Evidence from the Primitive Tribal Households

Prabhakar Nandru (), Satyanarayana Rentala () and Vidya Suresh ()
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Prabhakar Nandru: Pondicherry University
Satyanarayana Rentala: Bharathidasan Institute of Management
Vidya Suresh: College of Banking and Financial Studies

A chapter in Financial Inclusion in Emerging Markets, 2021, pp 3-25 from Springer

Abstract: Abstract The purpose of this paper is to identify the demographic discriminators with regard to financial inclusion dimensions like awareness, accessibility, affordability, and usage of various banking services. The concept of financial inclusion is defined as a delivery of various banking and financial services like savings, credit, remittances, and insurance at an affordable cost to the vast sections of disadvantaged groups in the society. Banking services are envisioned for public good and hence it is essential to provide banking and payments services to the vast segment of population. This holds more significance particularly for the underprivileged sections of the society without any social and economic discrimination. The present research is primarily concerned with various dimensions of financial inclusion that discriminate the demographic characteristics in relation to financial inclusion dimensions of Scheduled Tribes (STs) in Telangana State in India. The study explores four important dimensions of financial inclusion (awareness, accessibility, affordability, and usage of various banking services). It was found that age, gender, level of education, employment status, and level of income show significant discrimination against the various dimensions of financial inclusion.

Keywords: Accessibility; Affordable cost; Awareness; Scheduled Tribes; Underprivileged (search for similar items in EconPapers)
Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-981-16-2652-4_1

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DOI: 10.1007/978-981-16-2652-4_1

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