Digital Indigenous Banking: A Community-Driven Model for Financial Inclusion through P2P Lending in India

Digital Indigenous Banking: A Community-Driven Model for Financial Inclusion Through P2P Lending in India explores how traditional community-based financial practices can be integrated with modern digital technologies to create inclusive and sustainable financial systems.The book examines the challenges of financial exclusion in India, the evolution of indigenous banking mechanisms, self-help groups, microfinance, and peer-to-peer lending models. It proposes a digital framework that combines trust-based community finance with secure digital platforms, risk assessment mechanisms, regulatory compliance, and scalable lending infrastructure.Through theoretical analysis, system architecture design, implementation strategies, and policy recommendations, the authors present an innovative approach to expanding financial access for underserved populations. The work highlights how technology can strengthen community-driven finance while preserving the social capital and trust that form the foundation of indigenous financial systems.This book is intended for researchers, academicians, policymakers, students, and professionals interested in financial inclusion, fintech, digital lending, community banking, and sustainable economic development.