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Demographic Discriminators in the Adoption of Banking Services: Evidence from the Primitive Tribal Households

In: Financial Inclusion in Emerging Markets

Author

Listed:
  • Prabhakar Nandru

    (Pondicherry University)

  • Satyanarayana Rentala

    (Bharathidasan Institute of Management)

  • Vidya Suresh

    (College of Banking and Financial Studies)

Abstract

The purpose of this paper is to identify the demographic discriminators with regard to financial inclusion dimensions like awareness, accessibility, affordability, and usage of various banking services. The concept of financial inclusion is defined as a delivery of various banking and financial services like savings, credit, remittances, and insurance at an affordable cost to the vast sections of disadvantaged groups in the society. Banking services are envisioned for public good and hence it is essential to provide banking and payments services to the vast segment of population. This holds more significance particularly for the underprivileged sections of the society without any social and economic discrimination. The present research is primarily concerned with various dimensions of financial inclusion that discriminate the demographic characteristics in relation to financial inclusion dimensions of Scheduled Tribes (STs) in Telangana State in India. The study explores four important dimensions of financial inclusion (awareness, accessibility, affordability, and usage of various banking services). It was found that age, gender, level of education, employment status, and level of income show significant discrimination against the various dimensions of financial inclusion.

Suggested Citation

  • Prabhakar Nandru & Satyanarayana Rentala & Vidya Suresh, 2021. "Demographic Discriminators in the Adoption of Banking Services: Evidence from the Primitive Tribal Households," Springer Books, in: Ananda S. & Dharmendra Singh (ed.), Financial Inclusion in Emerging Markets, pages 3-25, Springer.
    • Handle: RePEc:spr:sprchp:978-981-16-2652-4_1
    DOI: 10.1007/978-981-16-2652-4_1
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