A STUDY OF INFORMATION AND COMMUNICATION TECHNOLOGY (ICT) ADOPTION BY SHG’S IN BANKING ACTIVITIES - DHARWAD DISTRICT

We all understand that, technology has been playing a major part in our daily lives. And ICT has established a vast platform for drastic development. Information exchange and information update is the need of the hour. People need up-to-date information, either for themselves or for their organization, and this need can only be meet with utilizing ICT platform. On the other hand SHG's have been playing a significant role in micro-finance, especially in rural areas empowering the rural women resulting in better livelihood and lifestyle, where most of the people are illiterates or are with just primary education. These SHG's are linked with many banking institution for all their savings. This article aims to understand the role of technology that can be introduced by banks to ease the lives of many members of the SHG's in their banking activities. UTAUT Model developed by Venkatesh et.al (2003) has been considered and used to ascertain the users acceptance and adoption of technology in the region of study.