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INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)
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Authors
Anindita Banerji
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Keywords
Financial inclusion, ICT, Financial Literacy, inclusive growth
Abstract
Financial inclusion is the process of ensuring access to financial services and timely and adequate credit needed by weaker sections and low-income groups at an affordable cost. Financial inclusion has become a global policy priority and the growth of Information and Communications Technology (ICT) has become almost synonymous with the topic. This paper looks at an overview of financial inclusion in India and discusses the impact of ICT on reaching individuals who were otherwise financially excluded. An important goal of policy-makers in both the developing and the developed countries is to have an inclusive growth. Financial services have the potential to achieve this objective and help create a more just and equitable society. Financial Literacy and financial inclusion have been important policy goals of India for quite some time but in spite of policy measures and technological innovations adopted by RBI and banking sector, the extent and penetration of financial products and services to marginalized sections of the society, needs attention. Financial inclusion is now on the top of the menu for policy makers for finalising a multi-pronged action plan as it is believed that is the only way for financial development. This study is an attempt to analyse the existing literature and understand the role played by Government/ Financial Institutions in promoting inclusive growth and obstacles and challenges and study the tools of ICT used for facilitating financial inclusion in India. Even though the Government and the banking sector have adopted various policy measures and innovative tools to ensure access of financial products and services to weaker and under privileged sections of the society but financial illiteracy, lack of convenience, technological issues and viability has emerged as significant impediments the path of achieving inclusive growth.
IJCRT's Publication Details
Unique Identification Number - IJCRT1812383
Paper ID - 185827
Author type - Indian Author
Page Number(s) - 1212-1225
Pubished in - Volume 6 | Issue 2 | April 2018
DOI (Digital Object Identifier) - http://doi.one/10.1729/IJCRT.17554
No Of Downloads - 1214
Author Country - 400064, India, Mumbai, Mumbai, India, Management
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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Anindita Banerji, "ICT AS A TOOL OF FINANCIAL INCLUSION", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.6, Issue 2, pp.1212-1225, April 2018, Available at :http://www.ijcrt.org/papers/IJCRT1812383.pdf
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