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Impact of User Perceptions on Digital Financial Service Usage: Evidence from Rural Households in the Saurashtra RegionBy Janhavi Shah, Jay Talati
Abstract: The rapid expansion of digital financial services (DFS) has improved financial inclusion, particularly in developing economies like India. However, despite better access, their actual use among rural populations remains uneven. This study explores how user perceptions influence the adoption of digital financial services among rural households in the Saurashtra region. Using a quantitative approach, primary data were collected from 275 respondents. The analysis focused on three key perception-based factors—perceived usefulness …
Published in NOLEGEIN Journal of Business Risk management · Vol. 9, Issue 2, 2026 · pp. 9–23 Read article →