International Journal For Multidisciplinary Research

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

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Role of Digital Literacy in Women Entrepreneurs - Paving way for adoption of Online Banking

Author(s) Mr. M. Jayanthi, Dr. R. Gokila
Country India
Abstract Although women entrepreneurs now have unparalleled access to banking services thanks to the quick growth of digital financial services, adoption rates vary depending on the situation. With a focus on how digital skills, trust, and perceived ease of use affect adoption decisions, this study investigates the effect of digital literacy in the adoption of online banking among women entrepreneurs. Digital literacy is a fundamental prerequisite for the adoption of online banking, with strong positive associations established across various studies, according to pertinent empirical research from a variety of geographical contexts. But digital literacy is not enough on its own; the relationship between literacy and adoption is mediated by perceived ease of use, security concerns, trust in digital platforms, and sociocultural variables. Adoption intentions are reliably predicted by perceived utility and perceived ease of use and its extensions emerging as the predominant theoretical frameworks. Cultural limitations, insufficient training programs, gender-specific digital divides, and restricted access to digital infrastructure are some of the particular challenges faced by female entrepreneurs. The results highlight the need for focused digital education initiatives, better digital infrastructure, culturally aware interventions, and supportive legislative frameworks to increase women entrepreneurs' usage of online banking. This study offers a thorough synthesis of empirical data and practical suggestions for all the professionals looking to advance financial inclusion and the economic empowerment of female entrepreneurs through digital banking.
Keywords Digital literacy, online banking adoption, women entrepreneurs.
Field Sociology > Administration / Law / Management
Published In Volume 8, Issue 3, May-June 2026
Published On 2026-05-09
DOI https://doi.org/10.36948/ijfmr.2026.v08i03.77868
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