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Enablers and barriers of mobile banking opportunities in rural India: a strategic analysis

Author

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  • Abhishek Behl
  • Manju Singh
  • V.G. Venkatesh

Abstract

The development of financial inclusive sector in India has been promising with mobile technology playing a prominent role. The rate of growth of rural teledensity is phenomenal. Mobile banking (M-Banking) has therefore proved to be a win-win situation for both banks and telecom companies. On a parallel track, it is seen that acceptance and adoption of mobile as a channel has been an issue in rural areas. There seems to be dearth of analysis of factors resulting in the slow rate of growth. This paper attempts to dig out barriers and enablers of M-Banking in rural India and weave them using an interpretive structural modelling (ISM). The model results in connecting the dots and help the policy makers of banks and telecom companies analyse the issues faced at various levels. The results will add to the body of literature and simultaneously help practitioners to understand the various levels of implementation.

Suggested Citation

  • Abhishek Behl & Manju Singh & V.G. Venkatesh, 2016. "Enablers and barriers of mobile banking opportunities in rural India: a strategic analysis," International Journal of Business Excellence, Inderscience Enterprises Ltd, vol. 10(2), pages 209-239.
    • Handle: RePEc:ids:ijbexc:v:10:y:2016:i:2:p:209-239
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    Cited by:

    1. Abhishek Behl & Pankaj Dutta & Stefan Lessmann & Yogesh K. Dwivedi & Samarjit Kar, 2019. "A conceptual framework for the adoption of big data analytics by e-commerce startups: a case-based approach," Information Systems and e-Business Management, Springer, vol. 17(2), pages 285-318, December.
    2. Wen-Kuo Chen & Venkateswarlu Nalluri & Man-Li Lin & Ching-Torng Lin, 2021. "Identifying Decisive Socio-Political Sustainability Barriers in the Supply Chain of Banking Sector in India: Causality Analysis Using ISM and MICMAC," Mathematics, MDPI, vol. 9(3), pages 1-23, January.
    3. Arvind Ashta, 2018. "News and Trends in Fintech and Digital Microfinance: Why Are European MFIs Invisible?," FIIB Business Review, , vol. 7(4), pages 232-243, December.

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