Browsing by Author "Kumari, D. A. T."

Now showing 1 - 2 of 2

Antecedents of Customer Adoption on Digital Banking with Special Reference to Non-Banking Financial Institutes in Sri Lanka
(Department of Finance, University of Kelaniya., 2021) Madusanka, K. A. E.; Kumari, D. A. T.
Purpose: The principal destinations of this examination are to contemplate and recognize the variables affecting the appropriation of digital banking among non-bank clients in Sri Lanka. Design: A survey was carried out by using structured self-administered questionnaire. As the study is mainly focused on exploring the antecedents of adopting to the digital banking of non-banking organizations of the country, the target population were all the customers who are using digital banking services provided by non-banking organizations in the Sri Lankan context. Accordingly, the sample was based on 300 customers of the digital banking services provided by main players of the industry. The data was analyzed by using descriptive and inferential statistical tools and PLS based SEM was adopted to test the hypotheses. Findings: The researcher has identified the factors; perceived usefulness, perceived ease of use, perceived risk, customer trust, compatibility and information quality affect customer adoption on digital banking among non-bank clients. Originality: The study attempts to distinguish and examine the most significant and practical predecessors that can impact the advanced financial appropriation of non-monetary establishments considering the client's perspective. The study has chosen the TAM model for examining exact discoveries due to its nearby pertinence to the examination question. In view of the chosen model (TAM), however, numerous studies demonstrate that web ease of use, security, data quality, trust, administration quality, comfort, and protection are the main components in the reception of advanced banking by clients.
Role of Financial Inclusion (As a Formative Mediating Variable) on Financial Literacy and Economic Empowerment: With Special Reference to Rural Poor Women in Sri Lanka
(Faculty of Commerce and Management Studies University of Kelaniya, Sri Lanka, 2020) Kumari, D. A. T.
As citizens of a developing country, Sri Lankan women in rural areas have to confront many challenges so as to obtain financial knowledge. A 52% of the entire Sri Lankan population is composed of women, these women are poor in financial literacy (Fin Lit) and particularly, lack of knowledge and proper financial attitudes and therefore, poor in financial decision making. In comparison to a number of other Asian countries, Sri Lanka has a financial inclusion (Fin In) rate as high as 73.4%, as stated by the Little Data Book on Fin In, 2018. All adults (above 15 years) who possess an account in the formal financial sector were considered as “Financially Inclusive”. Globally, a 35% of men are financially literate as opposed to a 30% of women. When considering, the Sri Lankan adult population, only 35% are financially literate and this turns out to be a severe drawback in women’s Fin Lit and their wellbeing. In accordance with the above discussion, the researchers noted that Fin Lit and Fin In can be considered as crucial areas which need to be further investigated with relation to Women’s Economic Empowerment (WEE). Hence the main purpose of this study is to investigate and analyse the effect of financial inclusion as a mediator among the financial literacy level and economic empowerment of rural women in Sri Lanka