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The banking without bank services has been emerging as the extensive mode of the existing banking platform. The business opportunities for the private banking have also been enormous due to the online banking platform availed through the various banking applications, as Pay tm, Google Pay, Bharat Interface for Money, Oxygen along with the public banking platforms being registered through the official banking applications. There also exists technological disruption where each bank adopts digital platforms having applications for competing with recent trends in technologies. The preferences of the consumers have surely deviated due to the faster and quicker options offered by the smart banking and yet, they are not fully comfortable using it, either because of the connectivity errors or the security reason. This study is explorative in nature and proceeds with identifying the gaps from existing literatures. This paper focuses on finding the reasons, preferences and constraints faced by the smart banking users and those not using it because of the various hindrances. Even though the claims of digital banking have been those of transparency and accessibility. But the desired inclusion has not been achieved and thus, this paper aims to analyze the what and why of the Banking without Banks in India. Finding: The usage amongst the female is low as compared to the male counterpart. The rural usage of banking without bank services is low as compared to the urban usage. The banking customers using the banking without bank services are very low. The occupation and education also affect the usage of the banking without bank services. While the banking without bank usage is high amongst the adults, it is low amongst the elder counterparts. Methodology: The cross-tabulation analysis has been done to analyses the banking without bank usage across the various demographics. This is Exploratory Research. Both sources of data have been taken. Primary Data of Customers through the structured questionnaire for Survey and Secondary Data from World Bank report and previous studies. |
