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Journal of Banking Financial Services and Insurance Research
Year : 2011, Volume : 1, Issue : 5
First page : ( 107) Last page : ( 115)
Online ISSN : 2231–4288.

Scope and problems of m-banking solution for unbanked: A review of indian economy

Kumbhar Vijay M.*Assistant Professor

*Abasaheb Marathe College, Rajapur, Ratnagiri, Maharashtra, -416702.

Online published on 11 January, 2012.


With the help of modern information communication technology, m-banking as a new type of banking services carrier can provide efficient and effective financial services for unbanked and rural peoples in India. Increased cellular subscribers in rural India are offering wide opportunity to expand m-banking services. However, in spite of opportunities there are numbers of problems and threats in m-banking system. Their major shortcomings are network coverage, security, low cost effectiveness, inconvenience in using mobile handset, IT literacy etc. The outcome of the paper is a defined set of customer requirements to m-banking services in India and an explanation of major failure reasons along with opportunities for their improvement.


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