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Digital Participation through Mobile Internet Banking and Its Impact on Financial Inclusion: A Study of Jan Dhan Yojana
Abstract
Prime Minister of India Mr. Narendra Modi launched a national government project called “Jan Dhan Yojana”, with the aim of providing banking opportunity and insurance coverage to all the citizens of India including the under privileged section who until now did not open bank accounts or personal insurance. The aim of this project is to attract those people with low incomes, who lack knowledge, who feel they do not need banking service or do not have funds to open an account. The present study attempts to examine the Indian Financial Inclusion in the context of Individual participation, through the case of Pradhan Mantri Jan Dhan Yojana. The paper aims to understand the consumer participation and non-participation and its implications as a financial inclusion strategy. The paper evaluates the impact of digital divide on digital participation of the consumers in the context of internet and mobile banking service users.
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