• Prof. Dr R.Ramachandran
• VeerannaAmeda

The rapid digitalisation of the Indian banking sector presents significant opportunities and challenges, especially in rural regions. In the rural areas of Telangana, banking access and usage have traditionally been constrained by physical infrastructure, connectivity gaps, low digital literacy, and trust issues. This study examines the deployment, adoption, and outcomes of three categories of digital banking products/services in rural Telangana: mobile banking applications, digital wallets/payment platforms, and micro ATMs/agent based remote access points. Drawing on a secondary data from banks, fintechs and government sources the research investigates (i) the current levels of awareness and usage of these digital channels; (ii) the enabling factors and barriers influencing adoption; and (iii) the impact on financial inclusion, convenience of access and transaction behaviour. Findings show that while awareness of mobile banking and digital payments is relatively high and usage is gaining momentum, meaningful adoption remains uneven across demographic and geographic segments. Critical constraints include poor connectivity, insufficient digital infrastructure, limited device ownership, low digital literacy, and residual trust/risk concerns. The study concludes with recommendations for banks, fintech providers and policy makers aimed at tailoring product design, strengthening agent networks, improving digital literacy programmes and leveraging local language interfaces to accelerate the digital banking transformation in rural Telangana.

Abstract The rapid digitalisation of the Indian banking sector presents significant opportunities and challenges, especially in rural regions. In the rural areas of Telangana, banking access and usage have traditionally been constrained by physical infrastructure, connectivity gaps, low digital literacy, and trust issues. This study examines the deployment, adoption, and outcomes of three categories of digital banking products/services in rural Telangana: mobile banking applications, digital wallets/payment platforms, and micro ATMs/agent based remote access points. Drawing on a secondary data from banks, fintechs and government sources the research investigates (i) the current levels of awareness and usage of these digital channels; (ii) the enabling factors and barriers influencing adoption; and (iii) the impact on financial inclusion, convenience of access and transaction behaviour. Findings show that while awareness of mobile banking and digital payments is relatively high and usage is gaining momentum, meaningful adoption remains uneven across demographic and geographic segments. Critical constraints include poor connectivity, insufficient digital infrastructure, limited device ownership, low digital literacy, and residual trust/risk concerns. The study concludes with recommendations for banks, fintech providers and policy makers aimed at tailoring product design, strengthening agent networks, improving digital literacy programmes and leveraging local language interfaces to accelerate the digital banking transformation in rural Telangana.

"DIGITAL BANKING PRODUCTS AND SERVICES IN RURAL TELANGANA: AN OVERVIEW", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 11, page no.31-38, November-2025, Available :http://www.jetir.org/papers/JETIRHD06005.pdf

"DIGITAL BANKING PRODUCTS AND SERVICES IN RURAL TELANGANA: AN OVERVIEW", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 11, page no. pp31-38, November-2025, Available at : http://www.jetir.org/papers/JETIRHD06005.pdf