The rural communities have very different perceptions about ICT among them across various categories. There are
various Information and Communication Technology (ICT) initiatives taken by the Government of India as well the
Government of Andhra Pradesh. This perception of for 'digital banking and payments' user affects the digital transactions. Many rural people do
not use digital banking and payments due to poor perception this may be because of lack of awareness and exposure to this banking applications.
Due to this majority of rural population may not able reap the maximum benets of E-banking and E-commerce initiatives in rural communities
in various other knowledge and information related to digital transfers of various social benets, pensions and other based direct benet
transactions. This study analyzes the positive and negative perceptions of the rural community in the study area with total sample size of 160, in
four villages and 40 respondents were selected randomly from each village, two villages are from Itkalapalle and Rachanapalle of Anantapur
Mandal, Peddapappur, Juttur of Pedapappur Mandal in Ananthapuramu District of Andhra Pradesh. This study focuses on effectiveness of ICT
usage and giving suggestions for improving awareness of ICT programmes to enable the rural communities to benet maximum from the
Government ICT initiatives and schemes in Ananthapuramu District