Reversing the Digital Divide

A Collaborative Assessment of Digitized Banking in Rural India

Our Partnership

Digital banking provides people with opportunities to manage their own money without having the cash within their possession. Bonded by their common interest in the use of digitized banking in rural India, professors from the University of Denver, University of Pennsylvania and University of North Carolina are conducting a 202-question survey. Across six states, they are assessing how households have utilized the digitized banking opportunities provided by the government and local organizations.

About Our Research

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About the Project

We are interviewing approximately 200 households across 12 villages (six control, six experimental). The control villages (six) are similar in population, state and socioeconomic status, but have not received any organized access to digital banking training. The experimental villages (six) received digital banking training.

After assessing the data, the reports will show:

  • if an effort to introduce digital banking in rural villages increases residents’ use of digitized banking
  • the characteristics of the places and people who utilize the digital banking options
  • an assessment of who remains unbanked in the digitized format

Funded by the Penn India Research and Engagement Fund (IREF), the collaborative study between DU, the University of North Carolina at Wilmington and the University of Pennsylvania drives interest in economic justice for underrepresented international populations.

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Marquisha Scott

Marquisha Scott is an assistant professor at the University of Denver's Graduate School of Social Work. Her work focuses on ensuring that community and nonprofit organizations (particularly religious congregations) are equipped to serve their communities. Current specific interests include globalizations' impact on youth, youth engagement with concepts of global citizenship and non-governmental organizations’ impact on youth’s economic and social outcomes within a global society.