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VOL. 12, ISSUE 3 (2026)
Banking service utilization and financial inclusion
Authors
Deepa Iranna Itagi, Dr. Sachindra G R
Abstract
Financial inclusion is a very crucial factor
in supporting inclusive economic growth in the sense that it ensures all people
have equal access to quality and affordable financial services. This research
aims at identifying the difference between Public Sector Banks and Private
Sector Banks in terms of banking service utilization and financial inclusion.
The study uses primary data obtained through questionnaires filled in by the
bank customers in order to find out their perception about the services offered
and whether they are effectively utilizing banking services. The data was
subjected to statistical analysis through descriptive statistics and
independent sample t-test to determine the significance of the difference. The
study found that Private Sector Banks had significantly high mean scores
compared to Public Sector Banks in banking service utilization and financial
inclusion (p < 0.05). From the findings of this study, it can be concluded
that it is important for banks to ensure quality services, digital banking
services as well as create customer awareness regarding banking services to
increase financial inclusion. This will mainly help Public Sector Banks to
improve their financial inclusion levels.
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Pages:131-135
How to cite this article:
Deepa Iranna Itagi, Dr. Sachindra G R "Banking service utilization and financial inclusion". International Journal of Commerce and Management Research, Vol 12, Issue 3, 2026, Pages 131-135
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