• Prof.Ch.Rajesham
• Mr. K. Mahesh

India being a developing economy the technological innovations in banking sector effects the rural population in large because the majority of the population is from rural which means rural is majority community and it playing an important role Indian economy. Today technology has emerged as a strategic resource for achieving higher efficiency, control of operations, productivity and profitability for banks as well as it is the realisation of their ‘anywhere, anytime, anyway’ banking dream for customers. But instead of all these benefits, the customer perception for digital banking services by rural customers is still found negative. India is one of the largest and the fastest growing markets for digital consumers. This substantial growth of digital economy was largely led by consumers in the urban region. Urban population is very well versed with technology but rural areas customers are untouched with various technological services provided by their banks. Hence, in order to increase the rural customer base for greater use of technology related services, it is imperative to understand the opportunities have digital banking in rural India. This study clearly indicates that the available of sufficient bank branches and number of ATMs are available in rural India. These rural people required to conduct a customer interaction session to clear their obstacles regarding digital banking registration, usage, benefits associated like accuracy, recording of every transaction, security, and privacy.

Rural Banking, Digital Banking and Digital Payment

"Digital Banking in Rural India – A StudY", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 10, page no.b805-b813, October-2021, Available :http://www.jetir.org/papers/JETIR2110190.pdf

"Digital Banking in Rural India – A StudY", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 10, page no. ppb805-b813, October-2021, Available at : http://www.jetir.org/papers/JETIR2110190.pdf