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Role of Banking System on Finanscial Inclusion

In: Financial Inclusion and the Role of Banking System

Author

Listed:
  • Sudarshan Maity

    (The Institute of Cost Accountants of India)

  • Tarak Nath Sahu

    (Vidyasagar University)

Abstract

Easy access to authorized financial services bears potentiality of reducing income inequalities and poverty. This chapter explores the pivotal role of the banking industry toward financial inclusion by expanding its branches in the growth and development of the economy. Simultaneously, the chapter highlights technology-enabled financial inclusion due to highest mobile penetration levels in India. It explains technology-enabled mobile banking where banks reach doorsteps of customers by taking control of various impediments and constraints posed by the brick-and-mortar model. It also estimates the technical efficiency level of Indian banks by considering different variables contributing to the objective of financial inclusion, as without sound and efficient functioning of banking system, an economy cannot function steadily and efficiently. This chapter further explains how the inefficient banks enhance their efficiency score by reducing their input level with the given output or enhancing their output level with the given input. Finally, the chapter interprets the key results.

Suggested Citation

  • Sudarshan Maity & Tarak Nath Sahu, 2022. "Role of Banking System on Finanscial Inclusion," Springer Books, in: Financial Inclusion and the Role of Banking System, chapter 0, pages 151-194, Springer.
    • Handle: RePEc:spr:sprchp:978-981-16-6085-6_5
    DOI: 10.1007/978-981-16-6085-6_5
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