• Dr. Anil Chandra Pathak

Financial inclusion is a broad term, but two of its foundational pillars are access to and usage of financial/banking services. The advantages of financial inclusion can only be realized if people have access to and make use of banking services. One of the major barriers to participation is a lack of financial literacy or, awareness. Given that it has the potential to narrow the gap between those who have access to and actually use banking services, its significance grows. Many residents of the East Singhbhum District have bank accounts (at least one is a savings account), but they aren't fully aware of the benefits they can reap from their accounts. Many consumers have never used a financial service before, so they have no idea what they're missing out on. Challenges and opportunities for various account holder amenities at banks are explored. This research aims to assess the level of financial literacy and usage of banking services among citizens of East Singhbhum District, Jharkhand. Sixty households were picked at random and given a lengthy questionnaire to collect the primary data.

Banking Sector, Technology, Financial Literacy, Account holders.

"A STUDY ON FINANCIAL LITERACY AND USAGE OF BANKING SERVICES IN EAST SINGHBHUM DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.1, Issue 5, page no.739-744, October-2014, Available :http://www.jetir.org/papers/JETIR1701955.pdf

"A STUDY ON FINANCIAL LITERACY AND USAGE OF BANKING SERVICES IN EAST SINGHBHUM DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.1, Issue 5, page no. pp739-744, October-2014, Available at : http://www.jetir.org/papers/JETIR1701955.pdf