Socio-Economic Determinants of Digital Financial Service Adoption in India: Insights from a Quantitative Study
Mutyala, Sridurga and Murugesan, D (2025) Socio-Economic Determinants of Digital Financial Service Adoption in India: Insights from a Quantitative Study. In: INTERNATIONAL CONFERENCE PROCEEDINGS ON EMERGING TRENDS IN MULTIDISCIPLINARY RESEARCH AND TECHNOLOGY, 18-08-2025, Chennai.
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Abstract
This study aims to examine socio-economic determinants of Digital Financial Service (DFS)
adoption in India, using 117survey respondents. Findings indicated a higher 90.6% adoption
rate, predominantly among young (97.4% aged 20-30), female (94.9%) students (81.2%) with
undergraduate education (93.2%) and low income (76.9% below ₹20,000). Statistical
analysis, the Chi-square tests reveal no significant association with income (χ² = 0.60, p >
0.05) or education (χ² = 5.10, p > 0.05), though higher groups show 100% adoption. This
study shows that 91.5% student adoption is a demonstration of telecom-enabled inclusion,
informing 6G financial empowerment for access in India‘s digital inclusion.
| Item Type: | Conference or Workshop Item (Paper) |
|---|---|
| Subjects: | Commerce > Financial Management |
| Domains: | Commerce |
| Depositing User: | Mr IR Admin |
| Date Deposited: | 10 May 2026 18:28 |
| Last Modified: | 10 May 2026 18:28 |
| URI: | https://ir.vistas.ac.in/id/eprint/15447 |
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