बैंकिंग क्षेत्र के डिजिटलीकरण का अध्ययन

138
h ps:// esea ch endsjou nal.com
Online a : h ps:// esea ch endsjou nal.com ISSN No: 2584-282X
Indexed Jou nal Pee Re iewed Jou nal
INTERNATIONAL JOURNAL OF TRENDS IN EMERGING RESEARCH AND DEVELOPMENT
Volume 3; Issue 4; 2025; Page No. 138-143
Recei ed: 07-05-2025
Accep ed: 13-06-2025
        
1Manisha Thaku and 2Mahade Pandag e
1, 2Facul y, Depa men o Comme ce and Managemen , Madhyanchal P o essional Uni e si y, Bhopal, Madhya P adesh, India
DOI: h ps://doi.o g/10.5281/zenodo.17326314
Co esponding Au ho : Manisha Thaku
lkjka'k
                           ,  
                 ,        ,   
               ,   ,      
         
ewy'kCn:   ,  ,  , , 
çL kouk
        , 
    ,    ,  
   ,   ,   
             
 ,  -      
     ,      
  -      
            
               
      ,      
     ,       
    ,       
   
        
        
         
         
       1  2015
              
            
      
      ,  
       ,  
           -    
    ,       
         
           
   ,          
      ,     
           
           
         
        ,   
            
            
    
    ,    
          
  ,          
            
      ,    
      ,   
          
In e na ional Jou nal o T ends in Eme ging Resea ch and De elopmen h ps:// esea ch endsjou nal.com
139
h ps:// esea ch endsjou nal.com
        , , 
,          
           ,
         
        
              
         
          ,   
  ,          
  ,        
           
       ,  
  ,  ,  ,  , 
   ,       
            
          
 
         ,   
      ,    
       ,      
      -   
          
    1980      
         
         (1991) 
         
          
,          
            

   ,            
           ,  
            
           
            
             
      ,    
        
  
 ,  . (2022) [1].      
   ,           
          
           
           
        
     ,     
          
  ;   ,  
  ,        
 ,  . (2017) [2].     
 ,         
  ,  ,    
             
        
, , ,         
          
   
, . (2023) [3].         
  ,       ,   
            
,           
              
         
           
     ,      
    ,    
          
 ,        ,
             
,         

 ,  . (2020) [4].       
          
          
        
         
           , 
         -
         
     ,     
       -    
          
              
 
,   . (2021) [5].        
   ()         
         , ,  ,
              
            
,          
    ,         
              
,        () ≥ 2-
           
     ,      
          
            
 
 
   ,         
               
         
  ,         
            
      ,   
     
In e na ional Jou nal o T ends in Eme ging Resea ch and De elopmen h ps:// esea ch endsjou nal.com
140
h ps:// esea ch endsjou nal.com
 
      -     
            ( 
)           ,  
   (,   )
  
          
 
   

N =  
X2 = 1         -
N= 
P=   (   .50)
ME=    (    )
          
  ,    , 1970    
             
          
1.   () = 2300000
2. -  Z   (χ/Z) = 1.96 (95% )
3.   () = 0.50
4.    () = 0.05
   (n) 
384.0959 ~ 384
   384 
 
 
        -    
   ,    , 
,   ,  ,  ,  -
,  -  , 90  -,  ,
         
 
       ()  
        ,  
          
     
      
       -
          ,
  , - ,  , -,
  ,     
  
   
  1:    -  

( = 384)
%


228
59.5

156
40.5
 
30 
139
36.2
31-40
110
28.6
41-50
90
23.5
50  
45
11.7
 

260
67.8

124
32.2
 

99
25.8
 
106
27.5

179
46.7
 
 
12
3
 
105
27.3

116
30.3
 
84
21.8
 
14
3.6
 
53
13.9
  
          
         2  
 
In e na ional Jou nal o T ends in Eme ging Resea ch and De elopmen h ps:// esea ch endsjou nal.com
141
h ps:// esea ch endsjou nal.com
  2:           ,       
 

 

  
 
 
 
 
 
 

1
4.2305
.74719
-1.155
.088
2.343
.176
2
4.2187
.72509
-1.326
.088
3.495
.176
3
4.1302
.74786
-.929
.088
1.831
.176
4
4.3112
.78664
-1.464
.088
3.236
.176
5
4.2760
.81661
-1.598
.088
3.722
.176
6
4.1133
.83216
-1.222
.088
2.381
.176
7
4.1667
.80145
-1.361
.088
3.130
.176
8
3.7643
1.09779
-1.011
.088
.520
.176

1
4.3177
.63254
-.626
.125
.621
.248
2
4.2865
.63511
-.817
.125
1.781
.248
3
4.2318
.63897
-.247
.125
-.665
.248
4
4.3880
.66069
-.619
.125
-.645
.248
5
4.3516
.72899
-1.466
.125
3.873
.248
6
4.1875
.76219
-1.041
.125
2.134
.248
7
4.2422
.73778
-1.202
.125
2.978
.248
8
3.7422
1.10715
-1.008
.125
.465
.248

1
4.3099
.63436
-.614
.125
.591
.248
2
4.2812
.64152
-.811
.125
1.651
.248
3
4.2188
.64152
-.233
.125
-.669
.248
4
4.3906
.65717
-.617
.125
-.636
.248
5
4.3542
.73309
-1.464
.125
3.775
.248
6
4.1849
.75768
-1.046
.125
2.221
.248
7
4.2318
.74113
-1.174
.125
2.839
.248
8
3.7422
1.11655
-1.005
.125
.439
.248
:  
        3                  
 : , ,   
  3:         ,       
 

 

  
 
 
 
 
 
 

1
3.7044
1.05883
-.822
.088
.258
.176
2
3.7734
1.03560
-.836
.088
.209
.176
3
3.6641
1.09956
-.929
.088
.253
.176
4
3.8164
1.05958
-1.204
.088
1.032
.176

1
3.6823
1.09024
-.826
.125
.190
.248
2
3.7448
1.04842
-.868
.125
.266
.248
3
3.6615
1.09352
-.959
.125
.342
.248
4
3.7865
1.08694
-1.211
.125
.958
.248


1
3.6719
1.09193
-.820
.125
.156
.248
2
3.7526
1.04156
-.871
.125
.271
.248
3
3.6510
1.09977
-.968
.125
.321
.248
4
3.7839
1.09002
-1.204
.125
.920
.248
:  
In e na ional Jou nal o T ends in Eme ging Resea ch and De elopmen h ps:// esea ch endsjou nal.com
142
h ps:// esea ch endsjou nal.com
  4:               ,       
 

 

  
 
 
 
 
 
 

1
3.5495
1.05650
-.699
.088
.027
.176
2
3.7734
1.14899
-.754
.088
-.384
.176
3
3.5234
1.11384
-.683
.088
-.105
.176
4
3.6823
1.18359
-.733
.088
-.347
.176
5
3.7865
1.15713
-1.055
.088
.295
.176
6
3.4987
1.18553
-.456
.088
-.646
.176

1
3.5729
1.04714
-.832
.125
.302
.248
2
3.8255
1.11401
-.870
.125
-.013
.248
3
3.5911
1.09450
-.733
.125
.069
.248
4
3.7708
1.09810
-.880
.125
.195
.248
5
3.8438
1.11789
-1.098
.125
.510
.248
6
3.5182
1.15606
-.493
.125
-.487
.248

1
3.5625
1.05030
-.791
.125
.188
.248
2
3.7995
1.12364
-.797
.125
-.208
.248
3
3.5781
1.10972
-.723
.125
-.020
.248
4
3.7500
1.09830
-.823
.125
.067
.248
5
3.8177
1.13483
-1.059
.125
.355
.248
6
3.4870
1.16737
-.458
.125
-.564
.248
:  
 
        5    
 ,        
    (   
   = 0.870; p<0.01)
  5:       










 
1
. (2- )

 
.207**
1
. (2- )
.000

 
.194**
.870**
1
. (2- )
.000
.000
 
 
.144**
.854**
.819**
1
. (2- )
.000
.000
.000

 
.251**
.767**
.762**
.710**
1
. (2- )
.000
.000
.000
.000

 
.182**
.118**
.130**
.119**
.410**
1
. (2- )
.000
.001
.000
.001
.000

 
.160**
.137**
.163**
.135**
.276**
.500**
1
. (2- )
.000
.000
.000
.000
.000
.000

 
.076*
.079*
.098**
.076*
.052
.156**
.786**
1
. (2- )
.034
.029
.006
.036
.042
.000
.000
:  
**.  0.01  (2-)   *. 
0.05  (2-)    a.  =  :
   ; :   ; : ;
: ; :    ; :
  ; :     ; :
    

In e na ional Jou nal o T ends in Eme ging Resea ch and De elopmen h ps:// esea ch endsjou nal.com
143
h ps:// esea ch endsjou nal.com
  6:       -










 
1
. (2- )

 
.207**
1
. (2- )
.000

 
.194**
.870**
1
. (2- )
.000
.000
 
 
.144**
.854**
.819**
1
. (2- )
.000
.000
.000

 
.251**
.767**
.762**
.710**
1
. (2- )
.000
.000
.000
.000

 
.182**
.118**
.130**
.119**
.410**
1
. (2- )
.000
.001
.000
.001
.000

 
.160**
.137**
.163**
.135**
.276**
.500**
1
. (2- )
.000
.000
.000
.000
.000
.000

 
.076*
.079*
.098**
.076*
.052
.156**
.786**
1
. (2- )
.034
.029
.006
.036
.042
.000
.000
:  
**.  0.01  (2-)   *.  0.05
 (2-)    a.  =  :   
; :   ; : ; :
; :    ; : 
 ; :     ; :  
  

"          
              
   ,      ,"  " " 
    /   
             
/      

1.  
,
     
 
,

,
 2022
2. .     :  
     - 
      (ISSN 2455-2267)
2017
3. 
,
     3D

         2023
4.  
,
        :
    (    ) 2020
5. 
,
  
,
  
,
  . 

,
   
,
  
,
  
     :   
      2021
6. 
,
    
,
  
,
 
        
 2024
7. 
,
  
,

 -  
   :     
    2024
8.  - 
,
   - 
,
   
     :  
      2023
9. 
,
  
,
     
       
2021
10.  
,
      
         
      2022
11. 
,
  
,
       
:        
 2024;37:163-179. DOI: 10.51680/e .37.1.12
12. 
,
  "      
      "
 -   2023;10:9-16
13. 
,
         
    2024;11:10-16.
DOI:
10.36676/u . 11.i2.09
14.  
,
       
,
 
:       
 2024
C ea i e Commons (CC) License
This a icle is an open access a icle dis ibu ed unde he
e ms and condi ions o he C ea i e Commons A ibu ion
(CC BY 4.0) license. This license pe mi s un es ic ed use,
dis ibu ion, and ep oduc ion in any medium, p o ided
he o iginal au ho and sou ce a e c edi ed.