3033 Published By: Blue Eyes Intelligence Engineering & Sciences Publication Retrieval Number: D7716118419/2019©BEIESP DOI:10.35940/ijrte.D7716.118419 Journal Website: www.ijrte.org Youths’ Perception towards Mobile Driven Financial Inclusion in Gwalior City

Abstract

The need for mobile phones has become inevitable in current world scenario. Mobile phones not only add to the convenience and security but also signify the status symbol. Mobile phones are considered as an opportunity for most of the organization to deliver their services. Banking industry is also facilitating various services via mobile phones. Mobile phones are playing an important role in financial inclusion since large numbers are still unbanked or financially excluded. Mobile banking is center of attraction to the youths. This study attempts to study the perception of the youths towards mobile driven financial inclusion in Gwalior city and to access the factors influencing the use of mobile in financial services in Gwalior City. The study covers the respondents of age group 18-40 years. The study framed the TAM model using the four factor i) Perceived Ease of Use, ii) Perceived Usage, iii) Perceived Usefulness and iv) Actual Usage. The study derived the TAM model sequencing influence perceived ease of use to perceived usage, perceived usage to perceived usefulness and perceived usefulness to actual usage. Although study contains certain limitation still has some implications providing recommendation for the improvement and modification of the mobile banking services and make them more friendly and secure.