बैंकिंग क्षेत्र के डिजिटलीकरण का अध्ययन

138 https://researchtrendsjournal.com Online at: https://researchtrendsjournal.com ISSN No: 2584-282X Indexed Journal Peer Reviewed Journal INTERNATIONAL JOURNAL OF TRENDS IN EMERGING RESEARCH AND DEVELOPMENT Volume 3; Issue 4; 2025; Page No. 138-143 Received: 07-05-2025 Accepted: 13-06-2025          1Manisha Thakur and 2Mahadev Pandagre 1, 2Faculty, Department of Commerce and Management, Madhyanchal Professional University, Bhopal, Madhya Pradesh, India DOI: https://doi.org/10.5281/zenodo.17326314 Corresponding Author: Manisha Thakur lkjka'k                            ,                    ,        ,                   ,   ,                 ewy'kCn:   ,  ,  , ,  çLrkouk         ,      ,    ,      ,   ,                   ,  -            ,         -                                          ,            ,            ,                                                         1  2015                                          ,          ,              -         ,                                 ,                 ,                                                ,                                       ,                  ,                              ,           ,               International Journal of Trends in Emerging Research and Development https://researchtrendsjournal.com 139 https://researchtrendsjournal.com         , ,  ,                      ,                                                       ,      ,             ,                            ,     ,  ,  ,  ,     ,                                           ,          ,            ,             -                   1980                          (1991)                       ,                            ,                        ,                                                             ,                  ,  . (2022) [1].          ,                                                             ,                   ;   ,     ,          ,  . (2017) [2].       ,            ,  ,                            , , ,                         , . (2023) [3].            ,       ,                 ,                                                      ,           ,                 ,        ,               ,            ,  . (2020) [4].                                                            ,           -                ,             -                                 ,   . (2021) [5].            ()                   , ,  ,                             ,               ,                         ,        () ≥ 2-                  ,                                      ,                                      ,                             ,          International Journal of Trends in Emerging Research and Development https://researchtrendsjournal.com 140 https://researchtrendsjournal.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     International Journal of Trends in Emerging Research and Development https://researchtrendsjournal.com 141 https://researchtrendsjournal.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 :   International Journal of Trends in Emerging Research and Development https://researchtrendsjournal.com 142 https://researchtrendsjournal.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      ,             (     r   = 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.  =  :    ; :   ; : ; : ; :    ; :   ; :     ; :      International Journal of Trends in Emerging Research and Development https://researchtrendsjournal.com 143 https://researchtrendsjournal.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/ev.37.1.12 12.  ,   "             "  -   2023;10:9-16 13.  ,               2024;11:10-16. DOI: 10.36676/urr.v11.i2.09 14.   ,         ,   :         2024 Creative Commons (CC) License This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY 4.0) license. This license permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.