2021
DOI: 10.1108/xjm-09-2020-0138
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Change in the uses pattern of digital banking services by Indian rural MSMEs during demonetization and Covid-19 pandemic-related restrictions

Abstract: Purpose In the ever fast-changing modern world, through the use of digital banking services (DBS), the old concept of banking in a traditional way has been completely changed. It was made possible through the use of modern artificial intelligence embedded technologies. It was done to meet the ever-growing demands of customers through more user-friendly and time-saving uses of technologies. This paper aims to uncover and analyse the factors affecting the adoption of digital banking services by rural micro small… Show more

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Cited by 29 publications
(24 citation statements)
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“…Concerning the new technology and systems required in pandemic situations (due to new limitations imposed), it is clear that crises have increased the pressure on all parties to find solutions and accordingly switch to a new cashless system (Ahmed and Sur 2021). This is consistent with claims made decades ahead, as stated by Friedman (1999), who claims that the development of IT would have implications on payment habits and that cash payment will lose its importance.…”
Section: Literature Reviewmentioning
confidence: 55%
“…Concerning the new technology and systems required in pandemic situations (due to new limitations imposed), it is clear that crises have increased the pressure on all parties to find solutions and accordingly switch to a new cashless system (Ahmed and Sur 2021). This is consistent with claims made decades ahead, as stated by Friedman (1999), who claims that the development of IT would have implications on payment habits and that cash payment will lose its importance.…”
Section: Literature Reviewmentioning
confidence: 55%
“…Fumo and Jabbour ( 2011 ) highlighted the key hurdles that micro and small businesses face and their consequences for the support programs accessible. Ahmed and Sur ( 2021 ) identified and analysed the characteristics that influence rural MSMEs by adopting digital banking services during demonetization and Covid-19. Sarkar ( 2020 ) examined the current state of Indian MSMEs, the key problems they face, and how the Government's actions to resuscitate MSME companies might help the whole economy during and after the Covid-19.…”
Section: Literature Reviewmentioning
confidence: 99%
“…Covid-19 2. Government rules and regulations 15 Ahmed and Sur ( 2021 ) To identify and analyze the characteristics that influence rural MSMEs by adopting digital banking services during demonetization and Covid-19 1. MSMEs 2.…”
Section: Literature Reviewmentioning
confidence: 99%
“…This study explored nine independent constructs: security (Lee et al, 2020), infrastructure (Hensher, 2020), technological knowledge (Zyberi, 2021), service (Ahmed and Sur, 2021), price (Fatema and Siddiqui, 2021), time (Yan et al, 2021), payment (Banna et al, 2021), administrative (Agusi et al, 2020) and psychological (Amin and Nahiduzzaman, 2021), which different Bangladeshi customers consider in choosing banks during Covid-19. Besides, several studies also explored different types of organisations (private and public banks) that moderate the existing relationships during Covid-19 (Narayanamurthy and Tortorella, 2021).…”
Section: Sajmmentioning
confidence: 99%