Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Faculty Publications Conference Paper Faculty Publications- Conference Papers Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Creator An entity primarily responsible for making the resource Ramana, Nagella Venkata; Kumar, Mukesh; Vidyashree, D.V.; Chand Basha, S.; Pandey, Vivekanand; Kaliappan, S. Title A name given to the resource Financial Behaviour Analysis for Payment Bank Adoption Using Random Forest and PCA: An Indian Perspective Date A point or period of time associated with an event in the lifecycle of the resource 01-01-2025 Source A related resource from which the described resource is derived 2025 IEEE International Conference on Emerging Trends in Computing and Communication, ETCOM 2025; Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.1109/ETCOM66606.2025.11437052" target="_blank" rel="noreferrer noopener">https://doi.org/10.1109/ETCOM66606.2025.11437052</a> <br /><br /><a href="https://www.scopus.com/pages/publications/105037347042?origin=resultslist" target="_blank" rel="noreferrer noopener">https://www.scopus.com/pages/publications/105037347042?origin=resultslist</a> Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Ramana N.V., Madanapalle Institute of Technology and Science Deemed to be University, Department of Management Studies, Andhra Pradesh, Madanapalle, India; Kumar M., Maharshi Markandeshwar Institute of Management, MMDU, Department of Management, Mullana, India; Vidyashree D.V., Christ University, Department of Commerce, Karnataka, Bengaluru, India; Chand Basha S., St. Ann's College of Engineering and Technology, Department of Business Administration, Andhra Pradesh, Chirala, India; Pandey V., Amity University Patna, Department of Management, Bihar, India; Kaliappan S., Lovely Professional University, Division of Research and Development, Punjab, Phagwara, India Description An account of the resource The gradual acceptance of payment banks in India constitutes an important challenge to equitable financial development, especially for underbanked rural communities. The proposed study handles the difficulty by examining financial behaviour through a hybrid machine learning methodology that integrates Principal Component Analysis (PCA) for dimensionality reduction with a Random Forest classifier for predictive modelling. The study utilises datasets obtained from Kaggle that reflect demographic, behavioural, and digital engagement variables. PCA preserves approximately 9 0% of variance while reducing feature complexity, allowing the Random Forest to effectively characterise adoption behaviour. In comparison to conventional classifiers such as Logistic Regression, SVM, and Decision Trees, the suggested model improved performance, attaining 96.7% accuracy, 95.8% precision, 97.1% recall, 96.4% F 1-score, and an AUC-ROC of 0.982. The findings exceed all chosen baselines, demonstrating the system's resilience and reliability. The approach provides behavioural insights essential for policy formulation and strategic engagement by pinpointing the most significant adoption determinants. This research greatly advances the digital banking sector by integrating data science with social impact, providing a clear, high-performing solution to inform financial inclusion policies. It establishes a basis for the development of future real-time and personalised adoption prediction systems utilising advanced AI methodologies. 2025 IEEE. Subject The topic of the resource Behavioural Prediction; Digital Access; Digital Trust; Dimensionality Reduction; Ensemble Classifiers; Financial Behaviour Analysis; Financial Inclusion; Indian Banking; Machine Learning; Mobile Banking; Payment Bank Adoption; PCA; Principal Components; Random Forest Publisher An entity responsible for making the resource available Institute of Electrical and Electronics Engineers Inc. Relation A related resource ISBN: 979-833158508-2; Language A language of the resource English Type The nature or genre of the resource Conference paper Rights Information about rights held in and over the resource Restricted Access; Hardcopy may be available in the library Format The file format, physical medium, or dimensions of the resource online