Currently, technology is a major aspect of banking. The transition from conventional banking to digital banking has impacted the way customers bank, making it faster, easier, and more convenient. Technologies such as internet banking, mobile banking, digital wallets, ATMs, UPI, and AI chatbots have made banking easier to access. This study surveys to understand the barriers and challenges faced by consumers in accessing and effectively using digital technologies. Banks need to focus more on educating customers, improving security, and offering simple and reliable support to help rural consumers feel comfortable using digital banking services.

This study shows that while digital banking has made banking faster and more convenient, many rural consumers in Tirupur City still find it difficult to use these services confidently. Factors such as fear of fraud, difficulty in understanding apps, and problems remembering passwords discourage regular usage, especially among older age groups. The study also highlights that monthly income influences the choice of online platforms used by consumers. Although awareness of digital banking is gradually improving, trust and digital skills remain major challenges. Therefore, banks need to focus more on educating customers, improving security, and offering simple and reliable support to help rural consumers feel comfortable using digital banking services.

4Kaur, B. & Batra, N. “Technology Adoption of Digital Banking among Consumers”, International Journal of Experimental Research and Review, Vol.32, pp.278-287, ISSN: 2455-4855 Rajalakshmi, G. R., Rajamani, M. G., & Mary, M. C. A. RURAL ENTREPRENEURSHIP: A STUDY ON INTERNAL ENVIRONMENTAL FACTORS INFLUENCING THE BUSINESS PERFORMANCE OF RURAL MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) IN COIMBATORE DISTRICT. Vengatesh, T. P., & Archana, M. G. A Study on Consumer’s Purchasing Behaviour Towards E-retailers with Special Reference to Coimbatore City

© 2025 International Journal of Engineering and Techniques (IJET).

Digital Object Identifier (DOI)

IJET assigns a unique DOI to every accepted article via Zenodo for persistent linking and citation. Your article’s DOI: https://doi.org/{{doi}}

Open DOI About Zenodo DOI

Close