Sectoral Comparison of Sustainable Digital Financial Inclusion of Women Workforce with the Mediation of Digital Banking Adoption Intention: An Empirical Analysis

Abstract

The study aims to examine the degree of Sustainable Digital Financial Inclusion (SDFI) of women workforce of Banking sector and IT sector. Banking sector imparts the knowledge of Digital Banking (DB), and IT sector develops DB applications. This research is motivated by the void left by previous researchers in understanding the determinants of Digital Banking Adoption Intention (DBAI) by female employees; as their digital inclusivity influences the DFI of common women. The study uses UTAUT2 model and PLS-SEM was applied on the 257 responses collected through structured questionnaires. Results show that female bankers have higher SDFI as compared to female IT employees due to mediation of DBAI between Drivers influencing DB and SDFI. The study contributes by clubbing the technological and financial sector. The study suggests the higher management of Banks and IT firms for recruitment and training of women personnel in DB adoption and DB application development, respectively.