A Review of Mobile Banking Adoption among Women: Determinants, Barriers, and Behavioural Intentions in Rural and Urban Contexts.

Author(s)	Ms. Sneha A., Dr. Hema Patil
Country	India
Abstract	Mobile banking has become emerged as a critical instrument for enhancing Financial integration, with specific implications for women in emerging markets. Significant disparities remain in how rural and urban communities are utilize mobile banking, through which is caused by a mix of socioeconomic, technological, and behavioral factors.This review uses well-known frameworks like the Technology Acceptance Model, widely known as the TAM, and the Unified Theory of Acceptance and Use Technology (UTAUT)to look at the influencing variables that encourage or discourage women from using mobile banking, as well as the behavioral intentions that support it. We look closely at key factors like the perceived value, the perceived simplicity of use, trust, and digital literacy. The discussion also looks at how adoption patterns distinguish from rural and urban areas and critically examines the relationship between behavioral intention and actual use. The review establishes a conceptual and analytical foundation for subsequent empirical investigations.
Keywords	Mobile banking adoption, Women financial inclusion, Digital literecy, behavirial intension, Rural -Urbun disparitives
Field	Business Administration
Published In	Volume 7, Issue 3, May-June 2026
Published On	2026-05-10
DOI	https://doi.org/10.63363/aijfr.2026.v07i03.5605

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