Faculty Publications

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Scholarly Publications by Integral Academia

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    The Impact of Digital Banking on Financial Inclusion in India
    (Book Rivers, 2026) Mohammad Shams Khan, Firoz Husain
    Providing access to financial services to all individuals as well as enterprises is termed financial inclusion. Further, it is critical for economic growth and poverty reduction. The growing digital banking trend in India can be successfully used for the cause of financial inclusion in rural areas. In this study on digital banking and financial inclusion in India, the authors examine the role of mobile banking, internet banking and digital payment systems. The study used both quantitative and qualitative data. It sourced quantitative data from government reports, financial institution reports and qualitative data from interviews with actors in the field. According to the findings, access to financial services has been enhanced with convenience which also managed to have less transaction cost. Nevertheless, there are issues such as computer understanding, infrastructure problems, and safety of computers. As per the findings, recommendations are given to strengthen the role of digital banking in achieving universal financial inclusion in the country.
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    An Overview on Factors Affecting Customer’s Adoption of Mobile Banking & Its Importance in Sustainable Growth
    (Shineeks Publisher, 2024) Abhinav Gupta, Rizwana Atiq
    The world is changing rapidly with the quick advancement in innovation and technologies along with the rapid change in socioeconomics and lifestyle of individuals, the traditional way of banking is also updating by giving way to electronic banking (e-banking) as well as portable banking (mobile banking). Whereas, data suggest that the acceptance rate of innovation and technology in banking is extremely low. In India, as stated by an RBI, banks have initiated Mobile Banking tasks and there are 22 million active portable financial clients, which is generally 5% of the absolute bank accounts. Moreover, technical issues, confidentiality, as well as lack of awareness are considered the significant reason for client resistance to portable (mobile) banking. Thus, it is important for specialized businesses to understand the situation as well as fulfil the needs of clients in order to adopt and utile mobile banking services.