DOI: 10.4018/IJPADA.2017100104 International Journal of Public Administration in the Digital Age Volume 4 • Issue 4 • October-December 2017 Copyright © 2017, IGI Global. Copying or distributing in print or electronic forms without written permission of IGI Global is prohibited. Digital Participation through Mobile Internet Banking and Its Impact on Financial Inclusion: A Study of Jan Dhan Yojana Khyati Jagani, MICA, Ahmedabad, India Santosh Patra, MICA, Ahmedabad, India ABSTRACT Prime Minister of India Mr. Narendra Modi launched a national government project called “Jan Dhan Yojana”, with the aim of providing banking opportunity and insurance coverage to all the citizens of India including the under privileged section who until now did not open bank accounts or personal insurance. The aim of this project is to attract those people with low incomes, who lack knowledge, who feel they do not need banking service or do not have funds to open an account. The present study attempts to examine the Indian Financial Inclusion in the context of Individual participation, through the case of Pradhan Mantri Jan Dhan Yojana. The paper aims to understand the consumer participation and non-participation and its implications as a financial inclusion strategy. The paper evaluates the impact of digital divide on digital participation of the consumers in the context of internet and mobile banking service users. KeywoRDS Digital Divide, Digital Participation, Financial Inclusion, Jan Dhan Yojana, Mobile Internet Banking INTRoDUCTIoN In the past few years the emerging new media has significantly transformed not only human interactions but also human behaviour. The digital technology is changing the financial services industry along with the consumption of banking services by its customers. Digital technology with several benefits also comes with the certain social issue. It has started to create a gap between the individuals, known as, “digital divide” with regard to the opportunities of attaining communication and information through the application of internet for range of activities, such as social networking, online shopping, and mobile banking among others. These presence of digital divide has created a necessity of financial inclusion of all the members of the society in order to bring a more socially and financially stable country. The Government of India along with the Reserve Bank of India has been putting great work in order to promote and increase financial inclusion in India as one of the key national agenda (RBI, 2015). The key purpose of financial inclusion strategy is to reach to those sections of the Indian society that has been financially excluded hitherto. According to the 59 th round of survey results, 51.4% of farmers in India are not financially included. Out of the entire farmer family unit, only 27% of the farmers have access to any form of formal credit source, whereas almost 1/3 rd of the farmers still take 51