English (United Kingdom)

https://curated-unify.zendy.io/wp-json/zendy-region/v1/featured_content/oa?rat=en

https://curated-unify.zendy.io/wp-json/zendy-region/v1/highlighted_journal/

Global: Zendy Plus annual

Presents the access of premium content as premium feature

Premium Content

Presents the keyphrase highlighting as premium feature

Keyphrase Highlighting

Presents the summarisation as premium feature

Summarisation

Insights

Presents the pdf analysis as premium feature

PDF Analysis

Presents the zaia usage as premium feature

ZAIA

Global: Zendy Tools annual

Global: Zendy Free Plan

Global: Zendy Tools monthly

Global: Zendy Plus monthly

Financial Inclusion is one of the most significant initiatives taken by the Government of India and the Reserve Bank of India. Indian Banks must embrace financial inclusion as an economically viable and profitable business activity by innovation in service delivery process and information technology solutions to lower costs of transactions and improve customer acceptance and satisfaction. Business Correspondent (BC) agents have been a key resource in ensuring that the unserved population receives banking facilities. Based on these grounds the study focused on the awareness, usage and frequency of usage of services of branchless banking models in selected areas of Mangalore and Udupi districts and to determine motivating and hindering factors affecting branchless banking adoption in rural areas. It has been found that majority of the customers are aware about branchless banking alternative and with the help of Business Correspondent they opened a bank account and also operating their account every now and then. During the study it was observed that branchless banking alternative helped the customers to increase their level of savings, consumption and also increased their standard of living. Study also reveals that lack of trust and confidence among the customers is a hindering factor to adopt branchless banking alternatives. The consumption aspect was used as a way to measure the effects on welfare. Most of the customers have experienced an overall increase in the use of financial products although the use of insurance products remains low. This clearly indicates that branchless banking has positive impact on financial inclusion

BRANCHLESS BANKING FOR THE POOR AS A PART OF FINANCIAL INCLUSION