Digital Inclusion for Access to Information: A Study on Banking and Financial Institutions in India

Martin, Philippe; Rabindranath, Manukonda

doi:10.1177/2158244017720479

Cited by 6 publications

(8 citation statements)

References 3 publications

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“…In the context of financially excluded people with disability, several studies underscore the significance of improved web accessibility in the banking sector, noting the current low compliance with existing guidelines, e.g. W3C [ 48 , 51 ]. One study mentioned that a very simple training program was successful in enabling participants with cognitive disabilities to withdraw money from an ATM, implying the efficacy of ICT-based training for enhancing financial literacy and interaction with banking services [ 52 ].…”

Section: Potential Interventionsmentioning

confidence: 99%

Financial inclusion for people with disability: a scoping review

Puli,

Layton,

Bell

et al. 2024

Global Health Action

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Background Financial exclusion is a human rights issue affecting health equity. Evidence demonstrates that financial exclusion is exacerbated for people with disability and those in low- to middle-income countries (LMIC). Barriers to financial access include limited demand for services, banking inadequacies in catering to people with disability, and insufficiently accessible information technologies (ICT) and infrastructure. Objectives This scoping review sought to identify barriers to and facilitators of financial inclusion for people with disability in LMIC. As a secondary objective, the study explored the potential of financial education and ICT utilisation as viable strategies for enhancing financial inclusion. Methods This review utilised the Arksey and O’Malley framework and PRISMA Checklist for systematic literature examination and data extraction. The WHO’s Environmental Factors guided the analysis to propose potential interventions and to generate recommendations. Results The review analysed 26 publications from various global regions and fields including finance, business, technology, health and disability policy. It identified consistent financial inclusion barriers for people with disability, resulting in a set of global recommendations across attitudes, environment, technology, services, and policy. Conclusions Recommendations include using ICT, digital innovation and multi-stakeholder collaboration to address the financial barriers experienced by people with disability. These efforts, rooted in social justice, aim to include people with disability in LMIC as valued financial sector participants, promoting health and equity.

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Section: Potential Interventionsmentioning

confidence: 99%

Financial inclusion for people with disability: a scoping review

Puli,

Layton,

Bell

et al. 2024

Global Health Action

View full text Add to dashboard Cite

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“…This may be possible by secure mobile banking applications and speeding up online banking services [62]. It is important to note that accessibility is a key issue and can vary among countries [63][64][65]. For example, Indonesian banks use social media applications to promote the adoption of online banking [66].…”

Section: Literature Reviewmentioning

confidence: 99%

How Banks Were Chosen and Rated in Hungary before and during the COVID-19 Pandemic

2022

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Banks can be chosen based on multiple factors, such as location, security, and e-banking functions. The characteristics of customers such as gender and age can also affect this decision. Since the digitalization of banking sped up due to the COVID-19 pandemic, the factors that affect this decision may change as well. To assess this, a questionnaire was completed by 156 respondents, and the results were evaluated using Pearson’s correlation test. According to the results, personal visits to the banks declined after the COVID-19 pandemic started. Furthermore, the number of e-bankers rose. When choosing banks, no gender-related relationships were found based on location, while older people chose different banks than their younger counterparts. The security of internet banking functions was not associated with bank choice, while the security of the mobile banking application was. Regarding the ratings of banks, males and females did not rate banks differently, and younger people tended to be more critical in their ratings. Security, accessible location, and good customer service can lead to more positive ratings as well. The findings can be used by banks in Hungary to improve their services in order to attract customers and increase their satisfaction.

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“…The commercial banking sector in Kenya, as defined by the Central Bank of Kenya (CBK, 2021), consists of firms engaged in banking operations such as receiving deposits, providing loans, and other financial services. This sector plays a vital role in the economy by mobilizing savings and providing credit (Martin, 2017). The CBK (2021) report highlights that the sector, including one mortgage finance firm, 40 commercial banks, and 13 microfinance companies, with 11 of the commercial banks listed on the Nairobi Securities Exchange (NSE), is under strict regulatory supervision.…”

Section: Introductionmentioning

confidence: 99%

Loan Restructuring and Financial Performance of Commercial Banks in Kenya

2024

JAF

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The study sought to evaluate the influence of corporate restructuring on the performance of commercial banks in Kenya. The financial performance of Kenyan banking institutions has been improving over the last five years. However, there was a reported decline in profitability in 2020, dropping from 159.1 billion shillings to 112.1 billion shillings. The specific objectives were to determine the effects of loan restructuring, non-interest income restructuring, financial technology restructuring, and the moderating role of bank size in the relationship between corporate restructuring and financial performance. The study was based on four theories: the technology acceptance model, financial intermediation theory, agency theory, and profit maximization theory. It adopted a causal research design and included 40 commercial banks operating in Kenya as of December 31, 2020, as the population. Secondary data collected from the Central Bank of Kenya covered a two-year period from January 2020 to December 2021. The data analysis included the use of descriptive statistics and panel regression analysis. Diagnostic tests were also performed to confirm that the assumptions required for regression analysis were satisfied. The findings revealed that loan restructuring, non-interest income restructuring, and financial technology restructuring all had a positive and statistically significant impact on the financial performance of commercial banks in Kenya. However, bank size did not moderate the relationship between corporate restructuring and financial performance. In conclusion, corporate restructuring significantly influenced the financial performance of commercial banks in Kenya. Based on the findings, the study recommends that banking institutions should enhance their use of technology in banking services. Commercial banks can develop secure and tamper-proof banking applications with robust security measures. Additionally, they can leverage technology to assess customers' creditworthiness based on personal information. Finally, commercial banks should consider diversifying their operations to improve their overall performance.

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Digital Inclusion for Access to Information: A Study on Banking and Financial Institutions in India

Cited by 6 publications

References 3 publications

Financial inclusion for people with disability: a scoping review

Financial inclusion for people with disability: a scoping review

How Banks Were Chosen and Rated in Hungary before and during the COVID-19 Pandemic

Loan Restructuring and Financial Performance of Commercial Banks in Kenya

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