| Title: AWARENESS LEVEL OF BANK EMPLOYEES TOWARDS CBDCS IN KERALA |
| Author: Athira KT, Dr. K. Senthil Kumar and Dr. M Prakash |
| Abstract: The study focuses on unveiling the awareness level of bank employees towards CBDCs, as they are the main intermediaries in between the RBI and the general public. For the effortless implementation of the digital rupee, the concept must be well and properly understood by the users. It covers the bank employees’ understanding on conceptual level, policy and regulatory level, technological level as well as examines their source of information regarding the concept. Primary data have been used for the study which was collected through a structured questionnaire and the same was analysed using descriptive statistics, Mann Whitney U Test, Kruskal Wallis H Test and Dunn’s Post Hoc Test. And the results show that the employees possess a moderate level of understanding regarding the concept, regulatory aspects, technological framework, and sources of learning related to CBDC, and the findings suggest that while the foundational understanding of CBDC is emerging among bank employees, gaps remain in technological and policy-related awareness. |
| Keywords: Digital Rupee, CBDCs, Conceptual level understanding, Regulatory Level Awareness, Technological Awareness and Sources of Information |
| DOI: https://doi.org/10.38193/IJRCMS.2025.7635 |
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| Date of Publication: 19-12-2025 |
| Download Publication Certificate: PDF |
| Published Vol & Issue: Volume 7 Issue 6 Nov-Dec 2025 |