Worldwide, people are gaining access to a formal bank account, which allows account-based instead of cash payments. Based on a novel randomized control trial, we document that the payment method is an important determinant of savings behavior. In rural India, we study the effect on savings of...

A growing share of the world population is getting access to a formal bank account. This allows a move from cash to account based payments. Grounding our hypothesis in behavioral economics, we conjecture that being paid on an account instead of in cash can play a major role in encouraging...

Interest in central bank digital currencies (CBDCs) has been burgeoning with 134 countries now exploring its implementation. In December 2022, India started its CBDC pilot program to continue its transition towards a digitized payments economy. This paper presents the first empirical analysis...

Purpose – The objective of paper is to examine status of financial inclusion in India and study its determinants. Design/methodology/approach – Panel fixed effects and dynamic panel generalized methods of moments (GMM) methodologies have been applied to study determinants of financial...

The present study focuses on demographic profile of the customers and its relationship with perception of service quality, service value and overall satisfaction in e-banking. Required data was collected through survey of the customer (N= 190) of Indian public and private sector banks in Satara...

This paper examines trend in customers complaint in e-banking environment in Indian banking industry. As per the analysis it is realized that e-banking system failed to provide error free banking facilities and reduce customers' problems. Recent data shows that customers' complaints against...

This research study investigates the seven factors of customer switching behavior in private bank industry of India. These factors are price, reputation, service quality, effective advertising competition, involuntary switching, distance and switching cost. Two major objectives were fulfilled in...