Reversing the Digital Divide: Digital Banking in Rural India

Digital banking provides people with opportunities to manage their own money without having to have the cash within their possession. With a 202-question survey, we assess how households have utilized the digitized banking opportunities provided by the government and local organizations. Across six states, we interview approximately 200 households across 12 villages (6 control, 6 experimental). The control villages (6) are similar in population, state, and socioeconomic status, but have not received any organized access to digital banking training. The experimental villages (6) received digital banking training. After assessing the data, the reports will show 1) if an effort to introduce digital banking in rural villages increases residents’ use of digitized banking; 2) the characteristics of the places and people, who utilizes the digital banking options; and 3) an assessment of who remains unbanked in the digitized format.