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Journal articles on the topic 'Digital payment system'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Rani, Mamta. "Digital Payment System Development in India." ANUSANDHAN – NDIM's Journal of Business and Management Research 5, no. 1 (2023): 39–47. http://dx.doi.org/10.56411/anusandhan.2023.v5i1.39-47.

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Digital payment methods have been growing exponentially owing to global progress in technology and high product ranges. The adoption of digital payments has gained momentum in India over recent years. Demonetization has played a prominent role in the growth of online payment technologies in the country. Nationwide lockdown during the Covid-19 pandemic has also boosted the digital payment systems in India. The present paper reviews the development of digital payment services. The paper also discusses the various modes used for digital payments in India. The study highlighted the increased use o

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Raut, Nileshkumar. "DIGITAL PAYMENT SYSTEM IN INDIA – PATHWAY TO DIGITAL INDIA." International Journal of Management, Economics and Commerce 1, no. 1 (2024): 55–58. http://dx.doi.org/10.62737/7h71af15.

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Indian economy is becoming a cashless economy even before and after the time of covid-19. Also, various methods and tools for making digital payments have evolved a lot since the establishment of NPCI. Nowadays even small shopkeepers, street vendors are accepting the option of digital payment. Apart from this, overseas markets currently accepting UPI payments include Singapore, Malaysia, UAE, France, Nepal, UK, Mauritius, Sri Lanka. In the present paper, the digital payment system in India has been studied in detail. Major tools and methods of digital payment system, benefits of digital paymen

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Dhoke, Satish. "Digital Payment System in India: Development and Future Consideration." Studies in Indian Place Names 40, no. 38 (2020): 219–24. https://doi.org/10.5281/zenodo.10451412.

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<strong>Abstract:</strong>This research paper aims to explore in India a digital payment system, and thus identify development and future consideration. The paper discusses conceptual framework, digital payment platforms, instruments and services available in the economy and their robustness. The also defines strategies to overcome the challenges faced by the economy in digitizing the financial system.The present research paper is focusing on the impact of these new digital paymentsystems on customers and problems encountered if any.<strong>Keyword:-Digital payment, Ca

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M, Abdurahman, Aiswarya KR, and Aslam K A. "A STUDY ON DIGITAL PAYMENT SYSTEM AMONG RURAL CUSTOMERS IN MALAPPURAM DISTRICT." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 08, no. 01(II) (2025): 218–22. https://doi.org/10.62823/ijarcmss/8.1(ii).7342.

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A payment made through digital methods is referred to as a digital payment. In digital payments, both the payer and the payee transfer and receive money digitally. The digital payment system has emerged as a preferred payment method all over the world, including India. The Indian government has taken various measures to promote and encourage digital payments in the country. Most of India’s economy depends on the rural economy, and only when digital payment methods become an integral part of rural economic development could digital initiatives be considered successful. The present study is thus

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Gupta, Princee. "DIGITAL PAYMENT ECOSYSTEM IN INDIA: A STUDY ON INTEROPERABILITY DURING THE COVID-19 CRISIS." International Journal of Management, Public Policy and Research 4, no. 1 (2025): 30–35. https://doi.org/10.55829/ijmpr.v4i1.263.

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The Prime Minister's plan, the "Digital India Program," will spur innovation across all industries. The COVID-19 period increase the use of digital payment system because of the social distancing rules and lockdown situation. During COVID-19 period, there is a need to quickly transform traditional payment mode to digital payment mode. The world need to adapt new ways of life and work. Since 2016, government has made a concerted effort to promote online payments, beginning with demonetization. Many digital and Indian economic actions were motivated by "Digital India" campaign., unstructured sup

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S. Munde, Shreedevi. "AWARENESS OF DIGITAL PAYMENT SYSTEM AMONG PG STUDENTS: A STUDY." JCER’S KALEIDOSCOPE JOURNAL OF MANAGEMENT RESEARCH 1, no. 1 (2025): 94–100. https://doi.org/10.62801/jkjmr1.9.

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The rapid advancement of digital technologies has significantly transformed the landscape of financial transactions, with digital payment systems gaining widespread adoption across various demographic segments. This study investigates the awareness and usage of digital payment systems among postgraduate (PG) students, focusing on their knowledge, preferences, and barriers to adoption. A structured questionnaire was adopted to a sample of PG students from K.L.E. Society’s G. I. Bagewadi Arts, Science and Commerce College, Nipani Karnataka and different disciplines, aiming to assess their famili

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Vidya, M., and V.T. Shailashri. "A Study on Evolving Digital Transformation in Indian Banking System." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 5, no. 1 (2021): 116–30. https://doi.org/10.5281/zenodo.4781901.

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Purpose: Industry analysis gives a broad idea of industry in terms of its objectives, resources as inputs and functions, products &services as output. In this paper, we have studied various electronic payment systems practiced by the banking industry like card payments NEFT, RTGS, IMPS, and UPI. Analysis has been done on the value &volume, growth of these digital payments over the last 5years. A comprehensive analysis of the evolving digital payments using the ABCD model is performed. Design/methodology /Approach: This industry analysis is the conceptual research case study. Analysis o

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Mubarak, Dzakisyah Alyus, Muhammad Heru Akhmadi, and Erlita Nurma Wati. "Implementasi Sistem Aplikasi Pembayaran Digital Payment Dalam Pelaksanaan Pembayaran Berbasis Cashless di Masa Pandemi Covid-19." JURNAL MANAJEMEN KEUANGAN PUBLIK 6, no. 2 (2022): 115–22. http://dx.doi.org/10.31092/jmkp.v6i2.1699.

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In line with the trend of increasing state expenditure payments, the government uses a digital system to carry out cashless-based payments. The digital system provides advantages in the effectiveness of state expenditure payments to the payee and supports the efficiency of state financial management. One of the digital systems used is the Digital Payment application developed by the Directorate General of Treasury. This study aims to review the use of the Digital Payment application in making non-cash payments to payees (suppliers) in the 2019-2021 period. This study used a qualitative method

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Poudel, Hem Kanta, Deepesh Ranabhat, Pradeep Sapkota, and Mala Ranabhat. "Adoption of Digital Payment System among the Youths in Pokhara Metropolitan City." Interdisciplinary Journal of Innovation in Nepalese Academia 2, no. 2 (2023): 160–72. http://dx.doi.org/10.3126/idjina.v2i2.59495.

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Effective payment systems are crucial components of any nation's financial infrastructure. In recent years, Nepal has witnessed a significant surge in the utilization of digital payment systems. The examination of the adoption of digital payment methods in Nepal is of paramount importance as it sheds light on behaviors related to financial technology that can shape the future of the country's financial system and contribute to its economic development. This study aims to explore the factors influencing the adoption intention of digital payment systems in Pokhara Metropolitan City, Nepal. The s

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Parmar, Prakashchandra, and Ketaki Sheth. "A STUDY ON DIGITAL PAYMENT SYSTEM USAGE BEHAVIOUR OF CUSTOMERS OF GUJARAT STATE." International Journal of Management, Public Policy and Research 2, no. 1 (2023): 129–35. http://dx.doi.org/10.55829/ijmpr.v2i1.121.

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The government of India is promoting the digital payments with the objective of to make seamless digital payments available to all Indian people in a way that is accessible, easy, affordable, rapid, and secure. Therefor this study is an attempt to know the digital payment usage behavior of customers of Gujarat state. The data is collected from primary sources through digital questionnaire and analyzed using IBM SPSS statistical software. This study concludes that majority of customers use digital payment system for daily and routine small amount transactions therefore it is suggested to the di

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Ramgolam, Dayawati, and Zhao Fuqiang. "Impact of National Innovation System on Digital Payment Systems in Mauritius." American Journal of Business Science Philosophy (AJBSP) 1, no. 2 (2025): p185–200. https://doi.org/10.70122/ajbsp.v1i2.20.

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The study examines how the National Innovation System (NIS) impacted the development and adoption of digital payment technologies in the country. This system played a vital role in promoting financial inclusion, enhancing operational efficiency, and supporting economic growth. The research evaluated the current landscape of digital payments in Mauritius, focusing on factors like infrastructure, adoption trends, and regulatory frameworks. A mixed-methods approach was used, blending quantitative data collection with qualitative policy analysis. Quantitative data was gathered through questionnair

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Dr., Mohan singh. "DIGITAL PAYMENT SYSTEM IN RURAL INDIA AFTER DEMONETIZATION." International Journal of Marketing & Financial Management 10, no. 1 (2022): 07–21. https://doi.org/10.5281/zenodo.7042454.

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<strong><em>ABSTRACT</em></strong> <em>India is a vast country with 63 percent rural population. Any project of economic development will not be successful if villages are not been part of it. In the era of science and knowledge, the information technology has played crucial role in the process of development and touched every aspect of life. The banking and finance sector are using technology exactingly service delivery. The demonetization drive launched by govt of India on 8 Sep 2016 push the country to use alternative method of payment. The situation arises with Covid-19 aggravated the prob

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Mahesh, A., and Bhat Ganesh. "Digital Payment Service in India - A Case Study of Unified Payment Interface." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 5, no. 1 (2021): 256–65. https://doi.org/10.5281/zenodo.5091207.

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<strong>Purpose:</strong> <em>The Indian Banking sector is striving hard to popularise digital payments and has gained momentum after demonetization and digital India initiatives. To facilitate digital payments, “National Payment Corporation of India (NPCI)” launched the “Unified Payment Interface (UPI)”, which is an amazing, revamped, and cost-effective breakthrough for enabling digital payment services for all. Proliferation of smartphones, technological innovations, and effective internet communications has signified the usage of mobile payment facility for smartphon

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Lestara Permana, Gusi Putu, and Ni Made Mia Damayanti. "ADOPSI DIGITAL PAYMENT:." Widya Akuntansi dan Keuangan 4, no. 02 (2022): 173–90. http://dx.doi.org/10.32795/widyaakuntansi.v4i02.2863.

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The development of the times made the cash payment system gradually switch to digital-based non-cash payments called digital payments. Digital payment users are now dominated by Generation X, Millennials, and Z. However, this is different from the baby boomer generation who were born in 1946-1964. This generation is an individual who is slow and not yet fluent in adopting new technology. This study aims to determine the adoption of the use of digital payments in the baby boomer generation. The object of this research is the baby boomer generation in Denpasar City. The number of samples in this

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Suryawan, Mohamad Arif, and La Ode Muhammad Jihad Al Faris. "PENERAPAN QR-CODE DALAM PROSES PEMBAYARAN DIGITAL DI KAMPUS." JURNAL INFORMATIKA 11, no. 2 (2022): 107. http://dx.doi.org/10.55340/jiu.v11i2.801.

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<p><em>The payment system at Dayanu Ikhsanuddin University (Unidayan) is done manually by taking a payment slip at the financial counter, then making payments at the designated bank, such as payment of tuition fees, KKN, graduation, PBL, PPL, and final project or thesis. Payment methods like this make students often experience difficulties in making payments, causing discomfort and tend to delay payments. This study aims to apply the QR Code system in the digital payment process on campus. The research method used is the waterfall model. The method implements a sequential software

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Prawira, Khairul Thamrin, Amelia Makmur, and Handri Santoso. "Enterprise Architecture for Payment System Industry in Industrial Era 4.0." Sinkron 8, no. 1 (2023): 517–25. http://dx.doi.org/10.33395/sinkron.v8i1.11933.

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Today online payments are in demand by most people. Because of the practicality of making payments digitally. This phenomenon has encouraged many industries in the field of finance to make breakthroughs in technology to develop marketing through platforms that have been built. Of course, the platform that is built is a platform that is following the business process requirements of the company. Business processes in the finance industry have become a digital payment platform, making companies in the finance sector carry out digital transformations. Processes that have been carried out manually

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Santhosh, P. "Digital Payments System and Rural India: An Overview." International Journal of Advance and Applied Research 4, no. 27 (2023): 91–95. https://doi.org/10.5281/zenodo.8262378.

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Pastoral areas, home to two-thirds of the country’s population, at present 870 million people. Rural India has a significant impact on the profitable progress of the country, and with the arising changes in ICT penetration, pastoral druggies will constitute about half of all Indian internet druggies in 2022. The digital enterprise carried out for pastoral parts, the need for perfecting the trends of digital payments model in pastoral India is veritably significant. Considering the benefits like transparency in deals, it's veritably essential that the metamorphosis towards digital pay

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Gayathri, A., and P. Shanmugam. "Digital Payment A Way Forward for Urban Dwellers." Shanlax International Journal of Arts, Science and Humanities 10, no. 4 (2023): 6–10. http://dx.doi.org/10.34293/sijash.v10i4.5960.

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A Digital payment, sometimes called an electronic payment is the transfer of value from one account to another using a digital medium. Digital payment has provided opportunity for India to empower its people and make them to use it and overcome the outdated banking system. Digital payments have changed people’s financial behaviour. Now days online becomes daily part of our lives, mainly because it is so convenient. It offers payments satisfaction, convenience, time savings, safety, availability of various vendors and services to the customer. Majority of the vendors prefer G-pay. Students and

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Samundeeswari, Dr S., and Ms D. Kaviya. "Impact of Digital Payment System in Small Business." International Journal of Emerging Knowledge Studies 04, no. 1 (2025): 38–44. https://doi.org/10.70333/ijeks-04-01-s-006.

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Digital payment systems also provide small business with valuable insights into customer behaviour, enabling better decision –making and targeted marketing strategies. Digital payment, including mobile wallets, online banking and card transaction, offer small business owners a more efficient, secure, and scalable way to handle payments. Systems also enable small business to track transaction in real-time, providing better financial insights and enhancing decision-making. While challenges such as transaction fees, security concerns, and infrastructure requirements exist, the overall impact of d

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Prof., Yudhvir Singh, and Rani Tyagi Babita. "A Study on the Adoption of Digital Payments in Western UP from the Consumer's Perspective." Social Science Journal for Advanced Research 4, no. 5 (2024): 97–102. https://doi.org/10.5281/zenodo.13855639.

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Demonetization led to a significant surge in digital payments in India. Government initiatives like Digital India, combined with the growing use of mobile phones and the internet, have contributed to the rapid expansion of digital payment adoption. This shift towards digital transactions enhances transparency, strengthening the nation's economy. Recent developments in payment systems, such as digital wallets, UPI, and BHIM apps, have further facilitated the transition to digital payments. The objective of this research is to examine the positive impact of payment system digitization. Specifica

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Dr., Sangeeta Jerath. "Digital Payments in India: An Analysis." International Journal of Innovative Technology and Exploring Engineering (IJITEE) 11, no. 11 (2023): 47–54. https://doi.org/10.35940/ijitee.K9303.10111122.

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<strong>Abstract</strong>: With the liberalisation of the Indian banking sector in 2014, the digital payment ecosystem has undergone a steady transformation which can be attributed to the usage of new technologies like Automated Teller Machines (ATM) and Magnetic Ink Character Recognition (MICR). Digital payment systems offer convenience and security while transacting. In 2010, a variety of payment products (stored value cards, wallets, and recharge vouchers) and service providers were introduced. The launching of Digital India in 2015, gave a further boost to the digitalization process. Initi

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Arya, Hema. "A Study to Assess the Impact of Digital Payment in India." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem48392.

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The payment solutions were made easier after the demonetization which led people to use more online payments and even made mobiles an essential part of the payment methods hence the need for technological advancement was met strongly .Social factors such as availability of mobile phones and computers plus government policies such as ‘digital India have enhanced the growth of the economy in regards to the utilization of electronic payment systems .Trust in the official economy is boosted by the increased transparency brought about by the switch to digital payment methods .In recent years, many

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Raisa George, Dr. A. Mohamed Siddique. "A Study on Customer Satisfaction and Awareness on Digital Payment Systems at Kottayam District." Tuijin Jishu/Journal of Propulsion Technology 44, no. 3 (2023): 4377–87. http://dx.doi.org/10.52783/tjjpt.v44.i3.2382.

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Nowadays we can see that the tremendous growth in use of internet banking and mobile phone in India. Digital payment is a way of payment which is made through digital modes. In digital payments, payer and payee both use digital modes to send and receive money. India is moving forward on the way of the most significant digital revolution and digital payment system will be an important landmark in the regime of cashless economy in the coming years. Digital payment system is an electronic medium that allows consumers to make electronic commerce transactions for their purchase and also financial t

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15068336.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15331877.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Dewa Gde Yoga Permana and I Gede Bayu Wirayudha. "Perkembangan Ekonomi Digital Terhadap Pertumbuhan Ekonomi Daerah Bali." Jurnal Riset dan Inovasi Manajemen 1, no. 4 (2023): 289–97. http://dx.doi.org/10.59581/jrim-widyakarya.v1i4.2328.

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The Digital Economy Era must be utilized for the economy, especially the regional economy, it appears that regional economic development is somewhat difficult to develop because it still uses a traditional economic system. However, not all regions are willing to utilize digital payment systems for various reasons, especially business actors in traditional markets. The aim of this research is to look at the development of the digital economy on regional economic growth in the province of Bali. The method used in this research uses descriptive analysis to determine the impact and influence of di

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Pleno, Allan B. "E-Payment System Readiness of Micro Business Owners." Journal of Social Entrepreneurship Theory and Practice 3, no. 2 (2024): 59–73. https://doi.org/10.31098/jsetp.v3i2.2800.

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This study used qualitative research to examine e-payment system readiness among microbusiness owners in Region III, Philippines. The primary purpose was to explore four key themes: digital literacy and skills, comparisons between cash and e-payment transactions, the downsides of e-payment, and awareness and capacity for e-payment systems. Data were collected through thematic coding of interviews with ten microbusiness owners. The results revealed that most respondents actively engage with digital technology, using mobile devices and computers daily. While internet access is generally availabl

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Bhosale, Lalita. "Digital payment system in India –A study of growth trends, challenges and impacts on small scale entrepreneurs." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 2 (2025): 30–33. https://doi.org/10.5281/zenodo.15071686.

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<strong><em>Abstract</em></strong> <em>Using of digital payment system has been increased even in rural parts of Indian today. Digital Payment is useful for transfer the value from one payment account to others using a digital device or channel. Different digital payments methods to diverse user needs, including mobile wallets, online banking, and card based systems There are many factors that are responsible for these increased trends in digital payment transaction. These factors are initiatives taken by government, advancement in technology; change in customer’s behavior, Introduction

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Bhosale, Lalita. "Digital payment system in India –A study of growth trends, challenges and impacts on small scale entrepreneurs." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 2 (2025): 30–33. https://doi.org/10.5281/zenodo.15336195.

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<strong><em>Abstract</em></strong> <em>Using of digital payment system has been increased even in rural parts of Indian today. Digital Payment is useful for transfer the value from one payment account to others using a digital device or channel. Different digital payments methods to diverse user needs, including mobile wallets, online banking, and card based systems There are many factors that are responsible for these increased trends in digital payment transaction. These factors are initiatives taken by government, advancement in technology; change in customer’s behavior, Introduction

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Valiyev, Jakhongir, and Inta Kotāne. "ENHANCING THE PAYMENT SYSTEM IN UZBEKISTAN." Journal of Regional Economic and Social Development 16 (December 14, 2024): 148–62. https://doi.org/10.17770/jresd2024vol16.8291.

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Purpose and aim of the study: To explore Uzbekistan's payment system and make suggestions for improving the payment system of Uzbekistan. Design / Methodology / Approach: The research employed the following methods: descriptive and logical construction were used for reviewing and analyzing research papers and other information sources, as well as for scientific discussion. The graphic method was applied to better represent and compare the research results. Main Findings: Modern payment systems are an important part of the global economy. The payment system in Uzbekistan is changing as a result

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M, Srinivas. "Online Fee Payment System." International Journal for Research in Applied Science and Engineering Technology 13, no. 3 (2025): 2416–20. https://doi.org/10.22214/ijraset.2025.67530.

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The Online Fee Payment System is a digital solution that simplifies fee collection for educational institutions. It enables administrators to manage courses, student enrollments, and fee structures while providing students with a secure online payment platform. Integrated with Razorpay, it ensures seamless transactions, multiple payment options, and automated receipt generation with real-time payment tracking. Administrators can monitor dues, send notifications, and generate financial reports, while students access a dashboard for payments and receipts. With role-based access control, encrypte

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Jerath, Dr Sangeeta. "Digital Payments in India: An Analysis." International Journal of Innovative Technology and Exploring Engineering 11, no. 11 (2022): 47–54. http://dx.doi.org/10.35940/ijitee.k9303.10111122.

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With the liberalisation of the Indian banking sector in 2014, the digital payment ecosystem has undergone a steady transformation which can be attributed to the usage of new technologies like Automated Teller Machines (ATM) and Magnetic Ink Character Recognition (MICR). Digital payment systems offer convenience and security while transacting. In 2010, a variety of payment products (stored value cards, wallets, and recharge vouchers) and service providers were introduced. The launching of Digital India in 2015, gave a further boost to the digitalization process. Initiatives have been taken to i

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M, Prakash. "A Study on Consumer Perception Towards Digital Payment." East Asian Journal of Multidisciplinary Research 1, no. 6 (2022): 1033–44. http://dx.doi.org/10.55927/eajmr.v1i6.688.

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The digital economy, electronic commerce and electronic banking are now being used by the new technologies and the wider global network, especially internet, within and outwardly. Increasing use of internet, electronic devices and government initiative such as digital India with a vision to transforming India into digital society by cashless transaction. After demonetization in India the digital payment system emerged tremendously. In recent days many changes took place in the payment system like digital wallets, UPI, AEPS, QR code and BHIM apps for smooth shift to digital payments. The study

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Maharani, Dian Putri, Naziha Romiza, Esti Pasaribu, and Ratu Eva Febriani. "Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan di Indonesia Selama Pandemi Covid-19." Ecoplan 6, no. 2 (2023): 145–54. http://dx.doi.org/10.20527/ecoplan.v6i2.676.

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A country's payment system plays an important role in the country's economic development. In recent years, economic transactions have been carried out digitally or without cash worldwide, including in Indonesia. Digitalizing the payment system means switching from a paper-based payment system to a digital/electronic one. Digital payments offer speed, lower fees, and convenience. A well-functioning digital payments system is critical to a country's overall economic performance, monetary policy, and financial stability. This study aims to determine the effect of digital payments on economic grow

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Anil, Lohar, Y. Gajare Yogini, and Kumar Atul. "E-payment system: Characteristics and features." Siddhant Management Review 2, no. 1 (2017): 19–23. https://doi.org/10.5281/zenodo.6677351.

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The financial system is considered as a real backbone of any economy. A reliable and transparent financial system is a must for handling an increasing number of monetary transactions of the economy. The e-payment system in India becoming more popular and e-payments have witnessed an exponential growth in last few years. In this article, first attempt is made to understand the e-payments, second attempt to critically analyses characteristics of e-payment system and final attempt to find the features of the ideal electronic payment system. The article is based on exploratory research and seconda

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Janki, Chitroda, and Pandav Harshil. "A study on Customer's preference towards Digital Payment System during Covid-19: With reference to surat city." International Journal of Novel Research in Marketing Management and Economics 11, no. 1 (2024): 155–65. https://doi.org/10.5281/zenodo.10955461.

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<strong>Abstract:</strong> Many people across the globe have lost their sources of income. All these things have made the economic situation very unfortunate. However, digital payment modes play a very beneficial role in the face of this critical situation. Digital payments in India have risen since the Pandemic. The Coronavirus epidemic will eventually achieve what India's shock demonetization struggled to achieve four years ago by using digital payment from the electricity bill to the cab fares <strong>Keywords:</strong> Digital Payment System. <strong>Title:</strong> A study on Customer&rsq

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Franjic, Sinisa. "Digital Technology and Payment System." Journal of Law and Judicial System 2, no. 4 (2019): 26–31. http://dx.doi.org/10.22259/2637-5893.0204004.

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L, Meena. "Digital Native Retail Investors' Outlook towards Bespoke Digital Transformation in Mutual Fund Industry." Shanlax International Journal of Management 6, S1 (2019): 90–96. https://doi.org/10.5281/zenodo.2567699.

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Mutual fund industry is in the mesh of digitalisation, and has begun to use technology intelligently across all its processes - fund management, executing transactions, and customer servicing. In fact, digitalisation of the payments is the key to the industry’s rise in recent years. There are peak digital payment modes existing in India viz. Online / mobile wallets, Prepaid credit cards, Debit / RuPay cards, Aadhar Enabled Payment System (AEPS), Unstructured Supplementary Service Data (USSD) and United Payments Interface (UPI). This paper attempts to study the outlook of retail mutual fu

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Nursilawati, Nursilawati, Saharuddin Daming, and Ibrahim Fajri. "Legal Protection For Consumers In Digital Payments On Feeder Bus Service (Study At The Public Company In The Pakuan Transport Area, Bogor City)." JURNAL MAHASISWA YUSTISI 2, no. 2 (2024): 66–70. https://doi.org/10.32832/jurmayustisi.v2i2.1198.

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Implementing digital payments can increase public interest in using feeder bus services. However, on the other hand, the implementation of digital payments also raises several crucial problems that befall consumers related to the presence of a digital payment system organized by Perumda Transpakuan Bogor City. This research aims to find out how legal protection efforts for consumers are carried out by Perumda Transpakuan Bogor City in the Digital Payment System on Feeder Buses. This research uses a type of legal research that combines normative and empirical, namely taking an approach by first

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Cahyani, Haura Novira, and Nur Fadhilah Ahmad Hasibuan. "EFEKTIVITAS DAN EFISIENSI APLIKASI PEMBAYARAN TAGIHAN TERHADAP PENDAPATAN BULANAN INDIHOME PADA PT.TELEKOMUNIKASI,TBK WITEL MEDAN." Worksheet : Jurnal Akuntansi 2, no. 1 (2022): 54–60. http://dx.doi.org/10.46576/wjs.v2i1.2617.

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Payment of receivables collection at PT. Telekomunikasi Indonesia (IndiHome) has a payment system that follows the times. Payment Collection is one part of the company that is in charge of processing monitoring and billing data for consumers who are negligent in making payments and making reports on billing evidence, reports of consumer internet disturbances and then input into the data system which will later be seen by the regional. This study aims to see which is more effective and efficient between cash payments and non-cash payments (digital). This study uses qualitative methods with prim

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Kavita, Kavita, and Priyanka Yadav. "A STUDY ON CYBER SECURITY AWARENESS IN DIGITAL PAYMENT SYSTEM WITH SPECIAL REFERENCE TO BANASTHALI VIDYAPITH." International Journal of Innovations & Research Analysis 04, no. 02(II) (2024): 36–42. https://doi.org/10.62823/ijira/4.2(ii).6660.

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Overview: Digital payments are still relatively new in India, and there is always the possibility of a cyber-attack wiping out a person's bank account. Fortunately, the government is hard at work on a highly secure method of making payments using mobile phones and other cashless devices. The Government of India has made digital payment promotion a top priority in order to bring every segment of our country into the formal fold of digital payment services. Technological innovations in the digital payment system are transforming our lives and bringing speed, convenience, choice, and savings to e

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Srouji, Jeremy, and Dominique Torre. "The Global Pandemic, Laboratory of the Cashless Economy?" International Journal of Financial Studies 10, no. 4 (2022): 109. http://dx.doi.org/10.3390/ijfs10040109.

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The COVID-19 pandemic has had a profound impact on payment systems and preferences around the world, reducing the use of cash in favor of digital payment instruments and accelerating the discussion around the need for a central bank digital currency. This article presents the digital payments and cashless agenda before and after the pandemic, focusing on how the changing payments landscape has influenced the priorities and decisions of regulators, banks and other financial intermediaries, with regards to the future shape of payment systems. It finds that while the pandemic demonstrated the ben

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Muralidhara, S. V. "UPI Challenges and Direction in Fund Management with Special Reference Banking Sector." International Journal for Research in Applied Science and Engineering Technology 9, no. 12 (2021): 1588–93. http://dx.doi.org/10.22214/ijraset.2021.39592.

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Abstract: After demonetization, there was a massive requirement for currency notes, but the government was unable to provide the required quantity of currency notes, and also Indian government wanted to promote cashless transactions. UPI is built over Immediate Payment Service (IMPS) for transferring funds using Virtual Payment Address (a unique ID provided by the bank). Unified Payments Interface is a payment system launched by (NPCI), which is National Payments Corporation of India, and is regulated by the (RBI) Reserve Bank of India, which provides the facility of instant fund transfer betw

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Copestake, Alexander, Divya Kirti, and Maria Martinez Peria. "Growing Retail Digital Payments." Fintech Notes 2025, no. 004 (2025): 1. https://doi.org/10.5089/9798229014250.063.

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Policymakers in many countries aim to increase the uptake of retail digital payment systems. This Note examines whether interoperability can help achieve this goal. We provide a conceptual framework that explains how interoperability can support the adoption of digital payments by increasing users’ freedom to choose their favorite app. We present evidence consistent with this framework using granular data covering the universe of transactions on India’s Unified Payments Interface (UPI), an interoperable platform that has become the world’s largest retail fast payment system by volume. We find

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Rahma, Haliza Nur, Dwi Rahma Hanum, Adhe Vitha Noviyanti, and Nanik Kustiningsih. "F. PENGGUNAAN ELECTRONIC PAYMENT SEBAGAI SOLUSI PEMBAYARAN PADA UMKM SERENDIPITY SNACK DITENGAH PANDEMI COVID-19." Inovasi Manajemen dan Kebijakan Publik 4, no. 2 (2021): 71. http://dx.doi.org/10.54980/imkp.v4i2.161.

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Abstrak : Perkembangan teknologi membuat semua hal menjadi lebih muda termasuk dalam hal bertransaksi. Salah satu inovasi baru yg muncul saat ini adalah digital payment. Digital payment termasuk salah satu cara pembayaran yang sangat praktis dan fleksibel, karena dilakukan via internet. Dengan adanya digital payment setiap orang bisa dengan mudah bertransaksi tanpa bersusah payah pergi ke ATM ataupun menemui penjual secara langsung untuk meminimalisir penyebaran virus covid-19. Serendipity snack yang baru memulai usaha juga menerapkan sistem digital payment sebagai inovasi baru dalam pembayara

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Mensah, Sabine. "The role of public-sector-led inclusive instant payment systems for growing the digital payments industry in Africa." Journal of Payments Strategy & Systems 18, no. 3 (2024): 291. http://dx.doi.org/10.69554/btyf3969.

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Digital payments are the most popular financial service in Africa, having been adopted by half of all adults. Nevertheless, there remain significant barriers to access in Africa’s digital payment sector, stymieing growth. Cost and distance to a branch or agent are chief among them, exacerbated by the fact that many economies in Africa have small financial services markets, with payment sectors dominated by private sector financial service and payment system providers that have invested in proprietary, closed-loop digital payments processing infrastructure. These closed-loop systems can be inef

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Wibisono, Bagas, and Abdul Rohman. "The Digital Transformation of Land and Building Tax Payments with Predictive Systems." Jurnal Sistem Cerdas 7, no. 3 (2024): 307–17. https://doi.org/10.37396/jsc.v7i3.459.

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Digital transformation in the tax payment sector is an essential step to enhance transparency and accountability. This research aims to develop and implement a predictive information system that can predict the payment behavior of Land and Building Tax in Village. The main problem faced is the often slow and non-transparent payment process, as well as the risk of errors or payment defaults. The developed information system uses historical data analysis methods with predictive algorithms to project the future behavior of taxpayers. This system is also equipped with a real-time validation featur

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Manikandan, M., and V. Stephenraj. "Revolution of payment applications in Indian digital payment system." Asian Journal of Management and Commerce 5, no. 2 (2024): 756–60. https://doi.org/10.22271/27084515.2024.v5.i2i.424.

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Poudel, Omkar, and Mohan Prasad Sapkota. "Consumer Perception toward Digital Payment System." Management Dynamics 25, no. 1 (2022): 39–50. http://dx.doi.org/10.3126/md.v25i1.53286.

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In the modern world, where the current electronic payment system is replacing the traditional payment method, the e-payment system is becoming popular among the new generation and gaining popularity among the older generation. With the gain of popularity, security, and privacy issues are also increasing. The study examined the impact of security and privacy on customers’ trust in the case of the e-payment system and its resultant effect on customers’ perceived Quality. Descriptive research has been conducted using online responses from 390 customers using e-payment. The study also examined the

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C., Chaudhari, and Kumar Atul. "Study of impact of the covid-19 outbreak on digital payment in India." Vidyabharati International Interdisciplinary Research Journal 12, no. 2 (2021): 99–102. https://doi.org/10.5281/zenodo.6666714.

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Economies world over during the entire financial year 2020/21 were under a severe grip of a once in a century pandemic Corona. But offering resilience through its strong fundamentals, the Indian economy has shown that the pandemic has led to a surge in digital payment in the retail sector. There has been a sizable increase in both volume and value terms in the digital payments (retail) during the pandemic-hit financial year 2020/21 compared with the prepandemic financial year 2019/20. The Impact is a positive one and has proven the credentials of the digital payment sy

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