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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66284
Volume:
10 |
7 |
Jul 2026
Pages:
1-7
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Master of Business Administration
Surana college Autonomus
Master of Business Administration
Surana college Autonomus
The rapid advancement of digital technologies has significantly transformed the banking industry, making mobile banking one of the most accessible and convenient financial services. The increasing penetration of smartphones, internet connectivity, and digital payment platforms has accelerated the transition toward digital banking, enabling customers to perform financial transactions anytime and anywhere. However, the successful adoption of mobile banking largely depends on individuals' digital literacy, which determines their ability to understand, access, and effectively use digital technologies. Despite extensive efforts by governments and financial institutions to promote digital financial services, disparities in digital literacy continue to hinder the widespread adoption of mobile banking, particularly among households with limited technological knowledge and digital skills. This study examines the impact of digital literacy on mobile banking adoption among households. Specifically, the research investigates the level of digital literacy among households, analyses the relationship between digital literacy and mobile banking adoption, identifies the major factors influencing the adoption of mobile banking services, compares adoption behaviour between digitally literate and less digitally literate users, and explores the challenges faced while using mobile banking applications. The study adopts a deductive research approach using a descriptive and explanatory quantitative research design. Primary data will be collected from 100 household respondents through a structured questionnaire using convenience sampling. The collected data will be analysed using Microsoft Excel and SPSS through descriptive statistics, reliability analysis, correlation analysis, regression analysis, and Chi-square tests to examine the relationship between digital literacy and mobile banking adoption. The expected findings indicate that digital literacy has a significant positive influence on mobile banking adoption. Households possessing higher levels of digital knowledge, internet awareness, smartphone usage skills, and confidence in digital technologies are expected to demonstrate greater willingness to adopt mobile banking services. The study further anticipates that perceived ease of use, trust, security, awareness, and internet accessibility positively influence adoption behaviour, whereas fear of fraud, lack of digital skills, cybersecurity concerns, and poor technological infrastructure remain major barriers to adoption. The findings will contribute to the existing literature on digital financial inclusion and provide valuable insights for banks, policymakers, and financial institutions in designing effective digital literacy programmes, improving customer awareness, strengthening digital security, and enhancing the accessibility of mobile banking services. The study ultimately aims to support inclusive digital transformation by encouraging wider adoption of secure and user-friendly mobile banking services among households.
KEYWORDS
The present study examines the impact of digital literacy on mobile banking adoption among households by analysing the role of digital knowledge, technological skills, awareness, and confidence in the use of mobile banking services. As digital banking continues to transform the financial sector, understanding the factors that encourage or hinder mobile banking adoption has become increasingly important for promoting financial inclusion and improving access to digital financial services. The expected findings suggest that digital literacy is one of the most significant determinants of mobile banking adoption among households. Individuals with higher levels of digital literacy are anticipated to demonstrate greater confidence in using mobile banking applications and are more likely to adopt digital financial services for their day-to-day banking activities. The study also expects that factors such as perceived usefulness, perceived ease of use, trust, security, and internet accessibility positively influence adoption behaviour, whereas limited digital skills, lack of awareness, cybersecurity concerns, and fear of online fraud continue to restrict the effective utilisation of mobile banking services. The study highlights the importance of strengthening digital literacy initiatives through collaboration among banks, financial institutions, government agencies, and educational organisations. Improving customer awareness, enhancing digital security measures, and developing user-friendly mobile banking applications can encourage greater acceptance of digital banking services among households. Such initiatives will contribute to increasing financial inclusion, reducing dependence on traditional banking channels, and promoting equitable access to modern financial services. Overall, this study contributes to the growing body of literature on digital banking, digital literacy, and financial inclusion by providing empirical insights into the relationship between digital literacy and mobile banking adoption among households. The findings are expected to assist banks, policymakers, researchers, and financial service providers in formulating effective strategies that enhance digital competencies, improve customer experience, and support the widespread adoption of secure, accessible, and inclusive mobile banking services.
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Publication Date
7/21/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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