{"id":"https://openalex.org/W7225413339","doi":"https://doi.org/10.55041/ijcope.v2i11.020","title":"A Study on the Role of India Post Payments Bank in Promoting Financial Inclusion in Rural India","display_name":"A Study on the Role of India Post Payments Bank in Promoting Financial Inclusion in Rural India","publication_year":2026,"publication_date":"2026-11-06","ids":{"openalex":"https://openalex.org/W7225413339","doi":"https://doi.org/10.55041/ijcope.v2i11.020"},"language":"en","primary_location":{"id":"doi:10.55041/ijcope.v2i11.020","doi":"https://doi.org/10.55041/ijcope.v2i11.020","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijcope.v2i11.020","pdf_url":"https://ijcope.org/wp-content/uploads/2026/11/A-STUDY-ON-THE-ROLE-OF-INDIA-POST-PAYMENTS-BANK-IN-PROMOTING-FINANCIAL-INCLUSION-IN-RURAL-INDIA.pdf","source":{"id":"https://openalex.org/S7407055479","display_name":"International Journal of Creative and Open Research in Engineering and Management","issn_l":"3108-1754","issn":["3108-1754"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Creative and Open Research in Engineering and Management","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://ijcope.org/wp-content/uploads/2026/11/A-STUDY-ON-THE-ROLE-OF-INDIA-POST-PAYMENTS-BANK-IN-PROMOTING-FINANCIAL-INCLUSION-IN-RURAL-INDIA.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161029979","display_name":"Avneeshkumar Achchhelal Yadav","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Avneeshkumar Achchhelal Yadav","raw_affiliation_strings":["School of Business, Indira University, Pune"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business, Indira University, Pune","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5117573651","display_name":"Supreet Oberoi","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Prof. Supreet Oberoi","raw_affiliation_strings":["School of Business, Indira University, Pune"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business, Indira University, Pune","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"02","issue":"11","first_page":"1","last_page":"9"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.953000009059906},{"id":"https://openalex.org/keywords/rural-banking","display_name":"rural banking","score":0.9760000109672546},{"id":"https://openalex.org/keywords/electronic-payments","display_name":"digital payments","score":0.7289999723434448},{"id":"https://openalex.org/keywords/know-your-customer","display_name":"know your customer","score":0.7129999995231628},{"id":"https://openalex.org/keywords/direct-benefit-transfer","display_name":"Direct Benefit Transfer","score":0.8759999871253967},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.8500000238418579},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.7409999966621399},{"id":"https://openalex.org/keywords/postal-banking","display_name":"postal banking","score":0.6489999890327454},{"id":"https://openalex.org/keywords/customer-service-quality","display_name":"customer service quality","score":0.7210000157356262},{"id":"https://openalex.org/keywords/rural-india","display_name":"rural India","score":0.6460000276565552}],"concepts":[{"id":"https://openalex.org/C94919774","wikidata":"https://www.wikidata.org/wiki/Q1137675","display_name":"Crore","level":3,"score":0.9476000070571899},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.887499988079071},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6273000240325928},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5493000149726868},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5037000179290771},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.4812000095844269},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.4392000138759613},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.43639999628067017},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.43540000915527344},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.4147000014781952},{"id":"https://openalex.org/C56666940","wikidata":"https://www.wikidata.org/wiki/Q788790","display_name":"Documentation","level":2,"score":0.4020000100135803},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.4018000066280365},{"id":"https://openalex.org/C1304207","wikidata":"https://www.wikidata.org/wiki/Q7189582","display_name":"Physical access","level":3,"score":0.3930000066757202},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.39239999651908875},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3790000081062317},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.374099999666214},{"id":"https://openalex.org/C2777303138","wikidata":"https://www.wikidata.org/wiki/Q13499","display_name":"Debit card","level":4,"score":0.3716000020503998},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.36629998683929443},{"id":"https://openalex.org/C85973986","wikidata":"https://www.wikidata.org/wiki/Q1091731","display_name":"Exploratory research","level":2,"score":0.36410000920295715},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.3346000015735626},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.31540000438690186},{"id":"https://openalex.org/C2780560020","wikidata":"https://www.wikidata.org/wiki/Q79719","display_name":"License","level":2,"score":0.29750001430511475},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.2924000024795532},{"id":"https://openalex.org/C37703655","wikidata":"https://www.wikidata.org/wiki/Q4048808","display_name":"SMS banking","level":3,"score":0.29100000858306885},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.27399998903274536},{"id":"https://openalex.org/C61521584","wikidata":"https://www.wikidata.org/wiki/Q705899","display_name":"Accreditation","level":2,"score":0.25769999623298645},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.25600001215934753},{"id":"https://openalex.org/C2779308522","wikidata":"https://www.wikidata.org/wiki/Q843958","display_name":"Digitization","level":2,"score":0.25279998779296875}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.55041/ijcope.v2i11.020","doi":"https://doi.org/10.55041/ijcope.v2i11.020","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijcope.v2i11.020","pdf_url":"https://ijcope.org/wp-content/uploads/2026/11/A-STUDY-ON-THE-ROLE-OF-INDIA-POST-PAYMENTS-BANK-IN-PROMOTING-FINANCIAL-INCLUSION-IN-RURAL-INDIA.pdf","source":{"id":"https://openalex.org/S7407055479","display_name":"International Journal of Creative and Open Research in Engineering and Management","issn_l":"3108-1754","issn":["3108-1754"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Creative and Open Research in Engineering and Management","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.55041/ijcope.v2i11.020","doi":"https://doi.org/10.55041/ijcope.v2i11.020","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijcope.v2i11.020","pdf_url":"https://ijcope.org/wp-content/uploads/2026/11/A-STUDY-ON-THE-ROLE-OF-INDIA-POST-PAYMENTS-BANK-IN-PROMOTING-FINANCIAL-INCLUSION-IN-RURAL-INDIA.pdf","source":{"id":"https://openalex.org/S7407055479","display_name":"International Journal of Creative and Open Research in Engineering and Management","issn_l":"3108-1754","issn":["3108-1754"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Creative and Open Research in Engineering and Management","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/10","score":0.7578999996185303,"display_name":"Reduced inequalities"},{"id":"https://metadata.un.org/sdg/8","score":0.7257999777793884,"display_name":"Decent work and economic growth"},{"id":"https://metadata.un.org/sdg/1","score":0.666700005531311,"display_name":"No poverty"},{"id":"https://metadata.un.org/sdg/9","score":0.4943999946117401,"display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225413339.pdf","grobid_xml":"https://content.openalex.org/works/W7225413339.grobid-xml"},"referenced_works_count":1,"referenced_works":["https://openalex.org/W7214189984"],"related_works":["https://openalex.org/W4411613999","https://openalex.org/W7220250847","https://openalex.org/W7208784947","https://openalex.org/W7125607803","https://openalex.org/W4400324836","https://openalex.org/W7217560896","https://openalex.org/W7134914827","https://openalex.org/W7122438676","https://openalex.org/W4414860920","https://openalex.org/W7216799894"],"abstract_inverted_index":{"Financial":[0],"inclusion":[1],"is":[2],"meaningful":[3],"when":[4],"people":[5],"can":[6,23],"access":[7,22,136,217],"financial":[8,70,141,244,261,267],"services":[9,56],"and":[10,16,36,78,99,109,150,166,176,185,219,237,252],"use":[11],"them":[12],"with":[13,32],"confidence,":[14],"safety":[15],"convenience.":[17],"In":[18],"rural":[19,69,129,263],"India,":[20],"banking":[21,55,83,105,135],"be":[24],"affected":[25],"by":[26],"distance,":[27],"documentation":[28,233],"requirements,":[29],"limited":[30],"familiarity":[31],"digital":[33,54,140,167,177,220,265],"tools,":[34],"connectivity":[35],"uncertainty":[37],"about":[38],"how":[39],"to":[40,57,81],"resolve":[41],"transaction":[42],"problems.":[43],"India":[44,257],"Post":[45,258],"Payments":[46,259],"Bank":[47],"(IPPB)":[48],"uses":[49,182],"the":[50,74,90,170,189],"postal":[51],"network":[52],"alongside":[53],"help":[58],"address":[59],"these":[60],"barriers.":[61],"This":[62],"paper":[63,241],"studies":[64],"IPPB\u2019s":[65,116],"role":[66],"in":[67,89,163],"promoting":[68],"inclusion,":[71,262],"drawing":[72],"on":[73,229],"author\u2019s":[75],"OJT":[76,190],"report":[77,91,113,160,191],"practical":[79,243],"exposure":[80],"customer-facing":[82],"activities.":[84],"The":[85,112,156,180,213,240],"internship":[86],"activities":[87],"described":[88],"include":[92],"Know":[93],"Your":[94],"Customer":[95],"(KYC)":[96],"updates,":[97],"Aadhaar":[98],"PAN":[100],"verification,":[101],"account-opening":[102],"assistance,":[103],"mobile":[104,153],"registration,":[106],"digital-payment":[107],"awareness":[108,196],"customer-query":[110],"resolution.":[111],"also":[114,227],"cites":[115],"FY":[117],"2024\u201325":[118],"institutional":[119],"indicators:":[120],"11.67":[121],"crore":[122,139,144,152],"customers":[123],"as":[124,201],"of":[125,172],"March":[126],"2025,":[127],"77%":[128],"customers,":[130,164],"more":[131],"than":[132,204],"1.64":[133],"lakh":[134],"points,":[137],"1,289":[138],"transactions,":[142],"5.12":[143],"Direct":[145],"Benefit":[146],"Transfer":[147],"(DBT)":[148],"beneficiaries":[149],"4.25":[151],"app":[154],"downloads.":[155],"bank\u2019s":[157],"official":[158,205],"annual":[159],"describes":[161],"growth":[162],"deposits":[165],"engagement,":[168],"supporting":[169],"importance":[171],"its":[173],"combined":[174],"physical":[175],"model.":[178],"\ue200cite\ue202turn0search12\ue201":[179],"research":[181],"a":[183,209],"descriptive":[184],"exploratory":[186],"approach.":[187],"Where":[188],"provides":[192],"illustrative":[193,202],"activity":[194],"or":[195,208],"figures,":[197],"they":[198],"are":[199,222],"identified":[200],"rather":[203],"IPPB":[206],"records":[207],"representative":[210],"customer":[211,230],"survey.":[212],"analysis":[214],"indicates":[215],"that":[216],"points":[218],"tools":[221],"important,":[223],"but":[224],"service":[225],"quality":[226],"depends":[228],"understanding,":[231],"clear":[232,253],"guidance,":[234],"local-language":[235],"explanations":[236],"dependable":[238],"support.":[239],"recommends":[242],"education,":[245],"assisted":[246],"first":[247],"use,":[248],"privacy-conscious":[249],"KYC":[250],"support":[251],"complaint-resolution":[254],"pathways.":[255],"Keywords:":[256],"Bank,":[260],"banking,":[264,270],"payments,":[266],"literacy,":[268],"doorstep":[269],"KYC,":[271],"DBT.":[272]},"counts_by_year":[],"updated_date":"2026-11-08T12:12:28.789561","created_date":"2026-11-07T00:00:00"}