Ensuring inclusive banking: Addressing mandatory signature challenges for visually challenged bank customers

Accessibility to banking services remains a significant problem for visually challenged bank customers (VCC). Despite Reserve Bank of India regulatory initiatives to encourage financial inclusion, conventional paper-based documents and signatures pose substantial challenges for those with visual disabilities. This study addresses critical challenges, such as inaccessible papers, readability issues, lack of support, privacy concerns, and complex signing requirements, based on field experiences and stakeholder comments. Innovative digital technology and alternative techniques, such as digital signatures, digital fingerprints, and thumbprint signatures, have emerged as promising options for improving accessibility and security in banking activities. This article analyses demographic data from visually challenged bank customers, emphasising their qualifications and banking preferences, such as primary and secondary banking services. By looking into the viewpoints of both visually challenged persons and bankers, this study intends to give suitable practical solutions to mandatory signature in banking services for the VCC and ensure regulatory reforms and better procedures to provide equal banking experiences for all, regardless of visual capacity.

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Publication Details

Journal
British Journal of Visual Impairment
Published
2024-12-13
DOI
https://doi.org/10.1177/02646196241294209
Primary Topic
Smart Parking Systems Research
Type
article
Field-Weighted Citation Impact
0.00

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article

Ensuring inclusive banking: Addressing mandatory signature challenges for visually challenged bank customers

Hiteshkumar Thakkar, A Marisport, Nakul Saha
British Journal of Visual Impairment
Smart Parking Systems Research
article

Ensuring inclusive banking: Addressing mandatory signature challenges for visually challenged bank customers

Hiteshkumar Thakkar, A Marisport, Nakul Saha
article en

Abstract

Accessibility to banking services remains a significant problem for visually challenged bank customers (VCC). Despite Reserve Bank of India regulatory initiatives to encourage financial inclusion, conventional paper-based documents and signatures pose substantial challenges for those with visual disabilities. This study addresses critical challenges, such as inaccessible papers, readability issues, lack of support, privacy concerns, and complex signing requirements, based on field experiences and stakeholder comments. Innovative digital technology and alternative techniques, such as digital signatures, digital fingerprints, and thumbprint signatures, have emerged as promising options for improving accessibility and security in banking activities. This article analyses demographic data from visually challenged bank customers, emphasising their qualifications and banking preferences, such as primary and secondary banking services. By looking into the viewpoints of both visually challenged persons and bankers, this study intends to give suitable practical solutions to mandatory signature in banking services for the VCC and ensure regulatory reforms and better procedures to provide equal banking experiences for all, regardless of visual capacity.

British Journal of Visual Impairment
Gujarat National Law University (IN), Indian Council of Social Science Research (IN)
Indian Council of Social Science Research
Reduced inequalities
Openalex Percentile: Top 75%
Smart Parking Systems Research
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Ensuring inclusive banking: Addressing mandatory signature challenges for visually challenged bank customers — Hiteshkumar Thakkar, A Marisport, et al. · British Journal of Visual Impairment (2024) | TGRS Research Map | TGRS