The emergence of digital financial services has considerably changed the financial environment by enhancing access to banking facilities and financial transactions among rural communities. This study analyses the effect of digital financial services on the saving and investment behaviour of rural households in the Pathanamthitta district of Kerala. The research is based on primary data gathered from 100 rural respondents through a structured interview schedule. Respondents who regularly utilize digital financial services, including mobile banking, UPI, internet banking and digital wallets, were selected using the purposive sampling technique. For analysing the collected data, statistical tools such as percentage analysis, mean, standard deviation, correlation and regression analysis were applied. The results indicate that digital financial services have a significant impact on the saving and investment behaviour of rural households. The study concludes that digital financial inclusion enhances financial awareness, promotes saving habits and increases participation in investment activities among rural populations.
Thomas et al. (2026) studied this question.