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Leveraging Technology Options for Financial Inclusion in India

Author

Listed:
  • Shalu Chopra

    (Department of Information Technology, VES Institute of Technology, Chembur, Mumbai, India)

  • Rajeev Dwivedi

    (Centre for Distance Learning, Institute of Management Technology, Ghaziabad, UP, India)

  • Arun Mohan Sherry

    (Centre for Distance Learning, Institute of Management Technology, Ghaziabad, UP, India)

Abstract

Financial services have a ubiquitous need however the urban rich have easy and universal access with wider options, compared to the low-income group who are forced to accept informal, expensive and riskier means to fulfill their financial needs. The demand and supply of financial services for the poor is imbalanced, with supply being acutely constrained by lack of viability and sustainability of current business models. Technology and IT has a pivotal role in making financial inclusion a viable reality. Technology, including information technology can enable lowering costs by increasing automation, enhancing efficiency, enabling scaling up through uniformity, consistency and security. Multiple technology choices are available to financial service providers but few have been proven yet. This paper examines technology options at the front end and back-end in detail with a critique of alternatives available for financial inclusion in Indian context.

Suggested Citation

  • Shalu Chopra & Rajeev Dwivedi & Arun Mohan Sherry, 2013. "Leveraging Technology Options for Financial Inclusion in India," International Journal of Asian Business and Information Management (IJABIM), IGI Global, vol. 4(1), pages 10-20, January.
    • Handle: RePEc:igg:jabim0:v:4:y:2013:i:1:p:10-20
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    Cited by:

    1. Pradeep Dwivedi & Jawaher Ibrahim Alabdooli & Rajeev Dwivedi, 2021. "Role of FinTech Adoption for Competitiveness and Performance of the Bank: A Study of Banking Industry in UAE," International Journal of Global Business and Competitiveness, Springer, vol. 16(2), pages 130-138, December.
    2. Adheesh Budree & Tawika Nkosana Nyathi, 2023. "Can Cryptocurrency Be a Payment Method in a Developing Economy?: The Case of Bitcoin in South Africa," Journal of Electronic Commerce in Organizations (JECO), IGI Global, vol. 21(1), pages 1-21, January.
    3. Pradeep Dwivedi & Rajeev Dwivedi & Adilson Carlos Yoshikuni & Bo Xie & B. Koteswar Rao Naik, 2023. "Role of Digitalization in Business Process to Reduce Manpower: A Case of Human Resource Management Process," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(1), pages 66-76.
    4. Olfa Bouhlel & Karim Garrouch & Mohamed Nabil Mzoughi, 2023. "Assessing the Success of Mobile Banking in Saudi Arabia: Re-Specification and Validation of the DeLone and McLean Model," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 15(1), pages 1-24, January.
    5. Murilo Catussi Almeida & Adilson Carlos Yoshikuni & Rajeev Dwivedi & Cláudio Luís Carvalho Larieira, 2022. "Do Leadership Styles Influence Employee Information Systems Security Intention? A Study of the Banking Industry," Global Journal of Flexible Systems Management, Springer;Global Institute of Flexible Systems Management, vol. 23(4), pages 535-550, December.
    6. Mingzhao Xiong & Wenqi Li & Chenjie Jenny & Peixu Wang, 2023. "Financial Inclusion through Digitalization: Improving Emerging Drivers of Industrial Pollution—Evidence from China," Sustainability, MDPI, vol. 15(13), pages 1-17, June.

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