International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Impact of Educational Qualification on the Adoption of Digital Financial Services in Himachal Pradesh

Author(s) Ms. AKANKSHA NEGI, Dr Vijay Kumar Sharma
Country India
Abstract Digital Financial Services (DFS) plays an important role in promoting financial inclusion and in making banking services accessible to the underserved and financially excluded population. This paper aims to identify the usage patterns of digital financial services among the residents of Himachal Pradesh, focusing on how these aspects differ across different educational qualifications. The study is based on primary data collected through a questionnaire from a sample of 492 respondents across selected districts using a structured questionnaire. The usage of DFS was analyzed across four dimensions: banking and financial management, bill payment and e-commerce, traditional digital financial instruments, and digital finance applications. Descriptive statistics and Analysis of Variance (ANOVA) were employed to assess differences in DFS usage across educational categories. The findings reveal significant variations in DFS usage based on educational attainment, with higher levels of education associated with greater adoption and usage. However, post-hoc analysis indicates that beyond a certain educational level, differences in usage become marginal, suggesting a threshold effect of education on DFS adoption.
Keywords Digital Financial Services, Usage, Socio-Economic Factors, Himachal Pradesh, Financial Inclusion.
Field Sociology > Banking / Finance
Published In Volume 7, Issue 6, November-December 2025
Published On 2025-12-19
DOI https://doi.org/10.36948/ijfmr.2025.v07i06.63944
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E-ISSN 2582-2160
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