Role of India Post Payments Bank (IPPB) in Enhancing Rural Women’s Financial Participation: Evidence from Belagavi District, Karnataka

Abstract

This study examines the role of India Post Payments Bank (IPPB) in enhancing rural women’s financial participation in Belagavi district, Karnataka. The study adopts a mixed-methods approach using primary data collected from 220 respondents through structured questionnaires and supported by interviews with customers and frontline staff. Statistical tools such as descriptive analysis, correlation, ANOVA, t-test and regression were employed. The findings reveal that IPPB has significantly improved access to financial services, savings behaviour and digital transaction usage among rural women. Education level and smartphone ownership positively influence digital confidence and participation, while barriers such as low digital literacy, income instability and connectivity issues hinder effective usage. Staff interaction was found to play a crucial role in improving user confidence. The study concludes that while IPPB enhances financial participation, sustained efforts in digital literacy and infrastructure are essential for achieving meaningful financial empowerment.