International Journal For Multidisciplinary Research

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Financial Literacy & Digital Banking: An Empirical Study on Customer Satisfaction with Special Reference to Tumkur District

Author(s) Anusha N, Dr. Anouja Mohanty, Dr. Rakesh Nadig H S
Country India
Abstract E-commerce is a growing trend in the world of buying and selling that connects sellers and buyers over long distances, enabling safe, quick, and convenient transactions, facilitated by internet banking. Financial literacy plays a crucial role in empowering consumers to effectively utilize internet banking for e-commerce transactions. The purpose of this study is to analyze how internet banking, coupled with financial literacy, can significantly influence the development of e-commerce. Financial literacy equips individuals with the knowledge and skills to navigate digital platforms, fostering confidence and trust in internet banking as a tool to enhance e-commerce experiences.
As online banking has become more sophisticated, banks have emerged that operate exclusively as electronic entities, without physical storefronts. Without the expenses associated with maintaining traditional “brick-and-mortar” structures, these online banks offer higher interest rates on savings accounts and deliver more cost-effective services. Electronic banking, combined with financial literacy, has laid the groundwork for speed, convenience, and informed decision-making in individual and commercial (business) banking.
Presently, the financial services sector in the banking industry is undergoing various innovations. The integration of financial literacy into the e-banking framework not only boosts customer awareness but also promotes better financial management and security in online transactions. The present paper primarily focuses on the need for innovation in India in the field of e-banking, the role of financial literacy in empowering customers, and sheds light on the available benefits, opportunities, and challenges faced by both the banking sector and customers in achieving satisfaction with e-banking services.
Keywords Financial Literacy, E-banking, customer satisfaction, security and privacy, responsiveness, reliability, ease of use.
Field Sociology > Banking / Finance
Published In Volume 7, Issue 1, January-February 2025
Published On 2025-01-28
Cite This Financial Literacy & Digital Banking: An Empirical Study on Customer Satisfaction with Special Reference to Tumkur District - Anusha N, Dr. Anouja Mohanty, Dr. Rakesh Nadig H S - IJFMR Volume 7, Issue 1, January-February 2025. DOI 10.36948/ijfmr.2025.v07i01.35880
DOI https://doi.org/10.36948/ijfmr.2025.v07i01.35880
Short DOI https://doi.org/g829p3
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