A Study on the Impact Level of E-Banking on Financial Inclusion in IOB

Digital banking has revolutionized financial access in India, especially for individuals previously excluded from traditional banking. This study examines the impact of digital banking on financial inclusion at Indian Overseas Bank (IOB), focusing on services like online banking, mobile banking, ATMs, and UPI transactions. The research measures financial inclusion through account ownership, transaction frequency, loan availability, and ease of service access. While digital banking improves convenience and accessibility, challenges such as low digital literacy and technological barriers persist. This study provides insights into how e-banking contributes to financial inclusion and highlights the obstacles that need to be addressed. Key Words: Digital Banking, Financial Inclusion, Indian Overseas Bank, E-Banking, Financial Access