Title: How mobile banking resistance behaviour affects financial inclusion in India?

Authors: Kiran Mehta; Asha Rani

Addresses: Chitkara Business School, Chitkara University, Punjab, India ' Bank of India, Chandigarh, India

Abstract: Mobile technology revolution will contribute greatly to financially include the largely unbanked strata of Indian society. The increasing number of wireless connections and relatively low score of financial inclusion in India attract the attention towards a specific segment of potential mobile banking users who are having mobiles but not mobile banking. The mobile banking can also cover these nooks of the country, which were not covered by the manual or branch banking. The current study addresses two research questions. One, what are the factors of resistance behaviour for use of mobile banking? Two, what is the impact of mobile banking resistance behaviour on financial inclusion? The study is unique in terms of it having made an attempt to examine the impact of mobile banking resistance behaviour on the financial inclusion.

Keywords: mobile banking resistance; India; financial inclusion; mobile banking; logistic regression; EFA; CFA.

DOI: 10.1504/IJBG.2023.134391

International Journal of Business and Globalisation, 2023 Vol.35 No.1/2, pp.32 - 47

Received: 16 Dec 2019
Accepted: 10 Mar 2020
Published online: 20 Oct 2023 *

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