Journal Press India^®

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Financial inclusion has drawn more attention recently since it is essential to economic growth and equality, company expansion, and the sustainability of the banking and financial institutions. The study attempts to comprehend the factors that lead to the adoption of digital banking among the rural peoples in order to learn how technology is effective for financial inclusion. The present piece of work used the UTAUT Model together with the additional elements of relative benefits and relative risks to investigate these elements. A self-administered questionnaire was designed and distributed in the rural areas of Davangere. The SPSS software was then used to evaluate the results. The findings demonstrate that the outcomes have a substantial impact on rural customers' intentions to utilise digital banking, including performance expectations, effort expectancies, social influence, and facilitating conditions. Unexpectedly, relative risks were determined to be inconsequential.

Keywords

Digital Banking, Rural Customers, Financial Inclusion

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