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@article{186235,
        author = {Vimla Virparia and Dr. Nilam Panchal},
        title = {Awareness as Drivers of Mobile Banking Adoption: An Empirical Study on Vadodara’s Micro-entrepreneurs},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {6},
        pages = {880-887},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=186235},
        abstract = {The COVID-19 pandemic accelerated India's adoption of digital financial services, and mobile banking became a vital tool for individuals and microbusiness owners alike.  This study looks at the awareness of mobile banking by Vadodara microentrepreneurs, who are crucial to the expansion of the local economy. As part of a descriptive research approach, 1,690 microentrepreneurs provided primary data via a structured questionnaire. The data was evaluated using a variety of methods, including the Shapiro-Wilk normality test, the Mann-Whitney test, the Kruskal-Wallis’s test, the Kolmogorov-Smirnov test, and reliability testing. The findings states that awareness and knowledge of mobile banking vary significantly depending on demographic characteristics, particularly age and gender. As per the findings, male microentrepreneurs make up the majority of adopters, and those between the ages of 26 and 45 are the most active. Furthermore, over 74% of respondents were city dwellers, highlighting the uneven adoption distribution. Even though mobile banking is widely regarded as useful, secure, and essential for business growth, still it shows significant demographic disparities. This study illuminates adoption patterns specific to microentrepreneurs and makes the case that targeted interventions, increased awareness, and trust-building are necessary to boost digital financial inclusion in semi-urban and rural areas.},
        keywords = {Adoption, Awareness, Micro-entrepreneurs, Mobile Banking, Digital Payments,},
        month = {November},
        }