Universal Journal of Advanced Research (ISSN: 3139-3276) • Vol. 1, Issue 1 (2026)
A Review of Digital Banking Trends in Rural India: Challenges and Opportunities
Authors & Affiliations
- Farhan Shakeel • Department of Business Administration, Khwaja Moinuddin Chishti Language University, Lucknow, Uttar Pradesh, India
- Md. Shaquib Khan • Department of Business Administration, Khwaja Moinuddin Chishti Language University, Lucknow, Uttar Pradesh, India
Department / Category: Department of Business Administration
Publication Date: 2026-01-01
Pages: 49-60
Abstract
A Review of Digital Banking Trends in Rural India: Challenges and Opportunities. Highlights key adoption factors, infrastructure barriers, financial literacy initiatives, and policy opportunities in extending fintech and digital payment systems to unbanked rural populations.
Keywords: Digital Banking; Financial Inclusion; Rural Banking; Fintech; Business Administration
References
- Shakeel, F., & Khan, M. S. (2026). A Review of Digital Banking Trends in Rural India: Challenges and Opportunities. Universal Journal of Advanced Research, 1(1), 49-60. https://doi.org/10.5281/zenodo.21948750
- Reserve Bank of India (RBI). Report on Financial Inclusion and Digital Payment Adoption in Rural India. Mumbai.
- NABARD. Financial Inclusion and Technology Adoption in Agriculture and Rural Sectors. National Bank for Agriculture and Rural Development.