Published Paper Details:

Present government has taken many steps to bring changes in Indian Economy. Among them Digital Banking in Rural Areas in lieu of Digital Banking is very important one. After the central government's demonetization drive, the country is moving towards cashless economy . In this venture , the Government has rightly utilized the digital India campaign to promote digitization. Recently NPCI launched the Unified Payment Interface (UPI), which is expected to make more efficiently through UPI- based-mobile apps. Apart from this opening millions of bank accounts through Jan Dhan Yojana in rural areas and linking bank accounts with Aadhar are the other effective steps taken towards the digital journey of the country.Use of smartphones and mobile is showing a steady increase and demonetization decision is revolutionary in respect of digital payments. This paper is a study to analyse the performance of various measures adopted by banks and government to implement digital banking in rural areas. And this is also an effort to focus on challenges incurred in this process. The study is conducted at Bommarabettu village of Karnataka where three nationalized banks, two co-operative societies and the Gram Panchayath together are concentrating on creating digital banking awareness in rural area. This study helps the government to overcome the problems in this course with new measures.