DIGITAL DISRUPTION IN INDIAN BANKING SECTOR– IT’S IMPACT ON BANKING OPERATIONS WITH REFERENCE TO GEN- ‘X’

The Indian banking sector has witnessed rapid digital disruption through innovations like mobile banking, UPI, and online services.However, the impact of these changes on rural populations remains uneven, particularly among Generation X (individuals born between 1965 and 1980), who often face challenges in adapting to digital platforms.This study aims to assess the extent of digital banking adoption among Generation X residing in the rural outskirts of Nelamangala, Karnataka.The objective is to evaluate usage levels, identify barriers such as digital literacy, infrastructure limitations, and trust issues, and understand behavioral patterns affecting adoption.It adopted a descriptive research design for the study.Data were collected through structured questionnaires administered to 120 respondents using stratified random sampling.The data were analyzed using SPSS with correlation and chi-square tests to test the hypotheses.