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Soni Rani

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Review Open access Oct 2026

Financial Inclusion and Digital Banking Adoption: An Empirical Analysis of Consumer Perception and Friction Factors in Regional Commercial Hubs

This paper empirically investigates the key determinants of digital banking adoption and financial inclusion within regional commercial markets in Haryana, India. Driven by national initiatives such as Digital India and the expansion of Unified Payments Interface (UPI) infrastructure, financial ecosystems are undergoin...

Soni Rani · 0 citations

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