Digital Financial Awareness: Evidence from Arunachal Pradesh

Abstract

The study titled “Digital Financial awareness: Evidence from Arunachal Pradesh” aim to examine the level of awareness, accessibility, and extend of utilization of banking service among the people of the state. In recent years, the expansion of digital banking facilities and financial inclusion program has significantly increased, yet awareness and effective utilization remain uneven, especially in rural and remote areas. The research explores how socioeconomic factors such as gender, age, education and occupation influence the understanding of digital financial literacy awareness. Primary data were collected through structured questionnaires from respondents across different districts of Arunachal Pradesh, while secondary data were obtained from published reports, journals, and government records. In finding, the study finds that while gender does not significantly influence digital financial literacy, socio-economic factors such as age, education, and income substantially impact the level of awareness and usage of digital financial services