Financial Literacy and Digital Banking Usage among Kerala Bank Customers: An Empirical Analysis

Author(s)	Ms. LAKSHMISREE P, Dr. SINDHU K P
Country	India
Abstract	This study investigates the relationship between financial literacy and the adoption of digital banking channels among Kerala Bank customers. Using primary data collected from 150 respondents across urban and rural regions, the research evaluates customers’ financial knowledge, awareness of cyber‑security, and patterns of usage of digital services such as mobile banking, UPI, and internet banking. The study applies percentage analysis and chi-square tests to measure the association between literacy and usage frequency. Findings demonstrate a statistically significant relationship, showing that higher financial literacy promotes greater digital adoption, while low digital confidence restricts usage among older and rural customers. The study contributes to the broader discourse on digital financial inclusion by providing targeted insights relevant to cooperative banking systems. Suggestions for improving literacy and strengthening digital adoption are discussed.
Keywords	Financial literacy, digital banking, cooperative banks, Kerala Bank, technology adoption, digital inclusion.
Field	Mathematics > Economy / Commerce
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-03

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