A STUDY ON ADOPTION OF DIGITAL PAYMENTS BY RURAL TRADERS AND CUSTOMERS: EVIDENCE FROM NENMENI PANCHAYAT
Digital payments, Awareness, Adoption, Rural traders, Financial literacy, Technology access
Digital payment systems are transforming financial transactions globally, including in rural markets, where traditional cash-based methods still dominate. Awareness and adoption of digital payment solutions are influenced by socio-economic factors, access to technology, trust, and perceived ease of use. This study examines the level of awareness and usage of digital payment systems among rural traders and customers and identifies the relationship between awareness and adoption. A descriptive research design was adopted, and primary data were collected from 107 respondents using structured questionnaires. Percentage analysis and Chi-square tests were employed to analyse the data. The findings indicate that while most rural participants are aware of digital payments, actual usage is affected by trust, mobile connectivity, literacy, and perceived security concerns. Awareness has a significant influence on adoption, highlighting the importance of financial literacy and community-based educational initiatives to increase participation in digital payment systems.
Registration ID: IJVRA_701823 Published ID: IJVRA2603401
"A STUDY ON ADOPTION OF DIGITAL PAYMENTS BY RURAL TRADERS AND CUSTOMERS: EVIDENCE FROM NENMENI PANCHAYAT", IJVRA - International Journal of Versatile Research and Analysis (www.IJVRA.org), ISSN:2984-8903, Vol.4, Issue 3, page no.92-99, March-2026, Available :https://ijpub.org/ijvra/papers/IJVRA2603401.pdf
Paper Reg. ID: IJVRA_701823
Published Paper Id: IJVRA2603401
Research Area: Other area not in list
Country: wayanad, kerala, India
ISSN: 2984-8903 | IMPACT FACTOR: 9.12 Calculated By Google Scholar | ESTD YEAR: 2023
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