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EVOLUTION OF PAYMENTS BANK AND IMPACT FROM M-PESA: A CASE OF MOBILE BANKING SERVICES IN INDIA
Authors
Rajat
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Keywords
Banking services, Rural Population, PPI Model, M-PESA, Payments Bank, Mobile Banking, Traditional banking, Modern Banking.
Abstract
A large proportion of the Indian population is excluded from basic banking services. Just one in two Indians has access to a savings bank account and just one in seven Indians has access to bank credit (Business Standard, June 28 2013). There are merely 684 million savings bank accounts in the country with a population of 1.2 billion. Branch per 100,000 adult ratio in India stands at 747 compared to 1,065 for Brazil and 2,063 for Malaysia (World Bank Financial Access Report 2010). As more people, especially the poor, gain access to financial services, they will be able to save better and get access to funding in a more structured manner. This will reduce income inequality, help the poor up the ladder, and contribute to economic development. There is a need for transactions and savings accounts for the under-served in the population. Mobile banking has been evolved in last couple of years with the help of Mobile penetration, which has shown phenomenal growth in rural areas of India. The rural subscription increased from 398.68 million at the end of December 2014 to 404.16 million at the end of January 2015, said in a statement by the Telecom Regulatory Authority of India. Banks in India are already investing in mobile technology and security from last couple of years. They are adding value in services such as developing smartphone apps, mobile wallets and educating consumers about the benefits of using the mobile banking resulting in adoption of mobile banking faster among consumers as compared to internet banking.
IJCRT's Publication Details
Unique Identification Number - IJCRT2007070
Paper ID - 196453
Author type - Indian Author
Page Number(s) - 703-708
Pubished in - Volume 8 | Issue 7 | July 2020
DOI (Digital Object Identifier) -
No Of Downloads - 1401
Author Country - 126102, India, JIND, JIND, India, Commerce
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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Rajat, "EVOLUTION OF PAYMENTS BANK AND IMPACT FROM M-PESA: A CASE OF MOBILE BANKING SERVICES IN INDIA", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.8, Issue 7, pp.703-708, July 2020, Available at :http://www.ijcrt.org/papers/IJCRT2007070.pdf
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