📄 Abstract
The Digital India project and the subsequent fast development of digital technology have had a profound impact on India's financial scene. Still, there are a lot of socioeconomic and infrastructure barriers that need to be addressed before digital payment systems can be widely used in rural regions. The goals of this study are to (1) determine how widespread the use of digital payment methods is in rural areas, (2) determine what variables significantly impact adoption, and (3) investigate the obstacles that prevent their efficient use. In order to examine rural people's digital platform use, knowledge, accessibility, and trust, the study uses primary and secondary data sources. Although there has been some early acceptance encouraged by government-led financial inclusion programs and smartphone penetration, problems including digital illiteracy, slow internet connections, and security concerns are still limiting mainstream usage, according to the findings. In order to foster equitable financial growth and close the digital divide between rural and urban areas, the report recommends more focused awareness efforts, better digital infrastructure, and user-friendly platforms.
📚 How to Cite:
Mr. S. Venkat Reddy, Mr. Bhukya Mohan , A STUDY ON DIGITAL PAYMENT USAGES IN RURAL AREAS , Volume 12 , Issue 5, may 2025, EPRA International Journal of Economics, Business and Management Studies (EBMS) ,