Contents
List of Abbreviations ;
List of Tables ;
List of Illustrations ;
Acknowledgment ;
1. Introduction to the Study ;
1.1. Background ;
1.1.1. Mobile-Based Financial Services ;
1.1.2. Household Savings ;
1.1.3. Background of Dundahera ;
1.2. Literature Review ;
1.2.1. Banking ;
1.2.2. Branchless Banking ;
1.2.3. Mobile-Based Digital Payments ;
1.2.4. Migrant Household Savings Culture and Financial Inclusion ;
1.3. Problem Statement ;
1.4 Research Objectives ;
1.5 Research Questions ;
1.6 Research Methodology;
1.6.1 Hypothesis ;
1.6.2 Research Design ;
1.6.3 Respondents & Manufacturing Units ;
1.6.4 Methods of Analysis ;
1.6.5 Limitations ;
2. Empirical Findings from the Survey ;
2.1 Profile of the Respondents ;
2.2 Economic Characteristics of the Respondents ;
2.3 Trends in Access to Mobile Phones and Bank Accounts ;
2.4 Trends in Usage of Mobile-Based Financial Services ;
3. Analysing the Findings from the Survey ;
3.1 Changing Lives or Not? ;
3.1.1 Payment to Workers;
3.1.2 Operating Bank Account ;
3.1.3 Payments and Remittances ;
3.1.4 Effect on Savings ;
3.2 Barriers in Using Mobile-Based Financial Services ;
3.2.1 Gender Norms ;
3.2.2 Lack of Trust & Confidence ;
3.3 Savings for Migrant Households ;
4. Policy Recommendations ;
4.1 Payment in Bank Account ;
4.2 Remittances and Savings ;
4.3 Women Using Mobile-Based Financial Services ;
5. Conclusion ;
Appendix 1: Questionnaire ;
Bibliography.