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Empowering Rural Prosperity: Unleashing the Impact of Financial Inclusion via Post Office, Post Payments, and Regional Rural Banks

Pracheta Tejasmayee et al.

NMIMS Management Review2025https://doi.org/10.1177/09711023251338105article
ABDC C
Weight
0.37

What the paper says

India is an agriculture-based developing country where financial technology and financial literacy play a crucial role in financial inclusion, poverty reduction, and rural development that cannot be avoided. This study examines the impact of financial inclusion on rural economic development through post offices, India Post Payments Banks, and regional rural banks. A total of 800 responses are collected initially through offline surveys and interviews using a structured questionnaire of rural youth from eastern Uttar Pradesh, and 650 viable responses are taken after eliminating incomplete, multivariate, and too consistent responses. This study employed PLS-SEM 4.0 for statistical analysis. The results show that financial inclusion positively affects rural economic development through these banks. The policymakers and stakeholders can use these findings, and they can also provide information through the campaigns about financial technology platforms and services that are available for rural people so that they can easily adopt technology and services.

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https://doi.org/https://doi.org/10.1177/09711023251338105

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@article{pracheta2025,
  title        = {{Empowering Rural Prosperity: Unleashing the Impact of Financial Inclusion via Post Office, Post Payments, and Regional Rural Banks}},
  author       = {Pracheta Tejasmayee et al.},
  journal      = {NMIMS Management Review},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1177/09711023251338105},
}

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Evidence weight

0.37

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.16 × 0.4 = 0.06
M · momentum0.53 × 0.15 = 0.08
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.