Dr. D. Gnyaneswer 1 ; Dr. P. Venkataiah 2 ; Dr. M. Janaki Ram 3 ; K. Naveen Kumar 4
1 Assistant Professor of Commerce, Badruka College of Commerce and Arts, Telangana, India.
2 Vic-Principal, Badruka College of Commerce and Arts, Telangana, India.
3 Vic-Principal, Badruka College of Commerce and Arts, Telangana, India.
4 Assistant Professor of Commerce, Badruka College of Commerce and Arts, Telangana, India.

Article Id - JOM_10_02_002, Pages : 14-23, Date of Publication : 28, June 2023

DOI: https://doi.org/10.17605/OSF.IO/3GNYZ   10 Downloads   139 Views   0 Citation
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A Digital Payments can be defined as electronic payment which can be claimed as the transfer of value from one payment account to another using a digital device such as mobile phone, POS, computers, a digital channel communications such as mobile wireless data and SWIFT. It can be asserted with inclusion of payments made with bank transfers, mobile money and payments cards including credit, debit and prepaid cards. In recent decades, the country has seen a significant increase in the use of digital payments. Mode of Digital payments used by citizens of the country are bank transfers, mobile money and others. The Government of India has come up with esteem measures to forge and promote the digital payments in the country. Digital Payment methods are often easy to make, convenient and provides a greater efficiency by comforting the customers to make payments from anywhere and anytime. After introduction of Digital payments technology, the digital payments have enlarged after demonetization, people have started embracing with digital payments. The previous study is an attempt to analyse how various forms of digital payments evolved in the past and how Covid-19 impacted the digital payment system in India. The Objective of the Present Research is evaluating the retail payment practices and usage of digital payments and its financial performance. The collected data through the questionnaire were analysed statistically using techniques. 
We have conducted a survey in order to realise the insight about digital payments. It is found that 63.2% population have greater awareness on digital payment and also observed that advertisements played a significant role with 57% making customers to know about digital payment. The study enlarged its scope by disclosing 59.6% customers are receiving money for regular expenses. Thus, we can conclude that people were concerned about health and were terrified of cash transactions which made them switch to this mode, which led to rapid usage of digital payments. 


Digital Payment System, Cash Transactions, POS, Demonetization, Covid-19.

Share and Cite:

D. Gnyaneswer, P. Venkataiah, M. Janaki Ram and K. Naveen Kumar, Evaluation of Retail Payment Practices of Individuals with A Focus on Their Awareness and Usage of Digital Payments, Journal of Management (JOM), 10(2), 2023, pp. 14-23. doi: https://doi.org/10.17605/OSF.IO/3GNYZ


[1] Agarwal, S.., Basu, D.., Ghosh, P.., Pareek, B., & Zhang, J. (2018). Demonetization and Digitization. In SSRN Electronic Journal · January 2018 DOI: 10.2139/ssrn.3197990.

[2] Dr. Swati Kulkarni, Dr. Aparna J Varma, D.R.P.V (2021). A Literature Study of Consumer Perception towards Digital Payment Mode in India. Psychology and Education Journal, 58(1), 3304-3319. https://doi.org/10.17762/pac.v58il.1270

[3] Go Cashless: Digital Wallets, NEFT, IMPS, UPI, Debit Cards, and Credit Cards. https://www.bemoneyaware.com/blog/cashless-digital-wallets-neft-imps-upi-debit-cards/

[4] Roy S.., Sinha I, Determinants of Customer Acceptance of Electronic Payment System in Indian Banking Sector- A study, International Journal of Scientific & Engineering Research 5(1) (2014), 177-187.

[5] Post Demonetization, which digital payment to use http://mfsys.come.pk/post-demonetisation-which -digital-payment-method-to-use/

[6] Pandey, S.K. & Vishwakarma, A. (2020). A Study on Investment Preferences of Young Investors in the City of Raipur Chhattisgarh, India. PalArch’s Journal of Archaeology of Egypt/Egyptology, 17(9), 9757-9768

[7] Shree,S.., Pratap, .., B Saroy, R. et al. Digital Payments and consumers experience in India: a survey based empirical study. J Bank Finance Technology, 5,1-20 (2021)

[8] Digital Banking in India: A review of trends, Opportunities and challenges. 


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Aim and Scope
     Journal of Management (JOM) is a peer-reviewed, Online and Print journal published by IAEME Publication. JOM aims at providing an intellectual platform for high quality research encompassing all the sub-domains of Management.

     Journal of Management (JOM) is an international forum for research that advances the theory and practice of management. The journal publishes original works with practical significance and academic value. Authors are invited to submit theoretical or empirical papers in all aspects of management.Journal of Management (JOM) publishes research articles, case studies and reviews within the whole field of Management Research, and it will continue to provide information on the latest trends and developments in management subject.

     Journal of Management (JOM) publishes articles, research papers, abstracts of doctoral dissertations, book reviews, case studies, short communications and bibliography that are interdisciplinary in nature as well as those within the major disciplines, including: marketing, OB/HR, entrepreneurship, production, operations, accounting, finance, business economics, international business, information technology management, social sector management, public sector management, healthcare management, management strategy and research methods.

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Prof. B. Arthi Gandhimathi - PRJ Publication, India

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Dr. Jacek Binda - Department of Finance and Information Technology, Bielsko-Biala School of Finance and Law, Bielsko-Biala, Poland

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Dr. D. Paul Dhinakaran - Assistant Professor, Department of Commerce, Jayagovind Harigopal Agarsen College of Arts & Science, Chennai, Tamilnadu, India

Dr. Rajesh U Kanthe - Bharati Vidyapeeth Deemed University, India

Dr. Mihir Kumar Shome - Galgotias Business School, India

Dr. Aikaterini Koskina - KEELE University,UK

Dr. Vinay Kandpal - University of Petroleum and Energy Studies, Uttarakhand, India

Dr. A.R. Krishnan - SRM University, Tamilnadu,India

Dr. A.Selvaraj - Gobi Arts and Science College,Tamilnadu, India

Dr. M.A.Lahori - Anekant Institute of Management Studies, Baramati, Pune, India

Dr. Shraddha Chowdhary - Kasturba Gandhi College for Women, Secunderabad, India

Dr. V. Antony Joe Raja - Prince Group of Companies, Chennai, India

Dr. L.Chandra Sekaran - Indira Gandhi National Open University, Tamilnadu, India

Dr. Pon Ramalingam - Hindustan Institute of Technology and Science, Tamilnadu, India

Dr. K.K. Ramachandran - GRD Institute of Management, Tamilnadu, India

Dr. N.Shani - Professor, Department of Business Administration, Nehru arts and science college, Coimbatore, India

Dr. Dhanuraj - Management Consultant, India

Dr. Alka Swami - Government College of Engineering & Technology Bikaner, Rajasthan, India

Dr. B. Ravi Kumar - Sree Vidyanikethan Engineering College, Andhra Pradesh, India

Dr. Iosif Cornel - National Institute of Statistics, Suceava, Romania

Dr. Sivanesan R - St.Alphonsa College of Arts and Science, Kanyakumari, India

Dr. Shraddha Mayuresh Bhome - Vidya Prasarak Mandal’s N. G. Bedekar College, Thane, India

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Prof. Iryna Bashynska - Odessa National Polytechnic University, Odessa, Ukraine

Dr. P. Venkaiah Babuu - Eswar College of Engineering, Narasaraopet, Andhra Pradesh, India

Dr. Nasser A. Saif Almuraqab - Dubai Business School, University of Dubai, Dubai, UAE

Dr. Aleksandra Polyakova - Industrial University of Tyumen, Russian Federation, Russia

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Dr. Madhavi Madireddy - Professor in Management and Director, Aurora’s PG College, Ramanthapur, Hyderabad, India

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Dr. Dr. Isfenti Sadalia - Professor, Faculty of Economics and Business, Universitas Sumatera Utara, Indonesia

Dr. B.Jeeva Rekha - Assistant Professor, PG and Research Department of Commerce, Sri Vasavi College, Erode, Tamilnadu, India

Dr. S.S. Onyx Nathanael Nirmal Raj - Assistant Professor & Research Supervisor, Department of Business Administration, VELS UNIVERSITY, Pallavaram, Chennai, India

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Dr. B.N. Suresh Kumar - Professor & Research Supervisor, Department of Management Studies, St.Peter’s Institute of Higher Education and Research, Avadi, Chennai, Tamilnadu, India

Mr. Leelakumar Raja Lekkala - Senior Data Analyst (Grade 28) (Remote) – CHART ANALYTICS, Optum Services Inc, Minnetonka, MN, USA

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Dr. T. Manvel Raj - Mohamed Sathak A.J.College of Engineering, India

Prof. Sanobar Anjum - Prince Mohammad Bin Fahd University, Saudi Arabia

Dr. Deepika Ttiwari - Sikkim Manipal Institute of Technology, Sikkim, India

Dr. S.Saiganesh - Dayananda Sagar Business School, Karnataka, India

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Dr. Davinder Sharma - Banarsidas Chandiwala Institute Of Professional Studies, Delhi, India

Prof. Srinivas K T - Community Institute of Management Studies (CIMS), Karnataka, India

Dr. Swaranjeet Arora - Prestige Institute of Management and Research, Indore, India

Dr. V.Rama Devi - Sikkim Central University, Sikkim, India

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The topics to be covered by JOURNAL OF MANAGEMENT (JOM) include but are not limited to the following fields:
• Banking and Insurance Management
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JOM Journal Stats

Publication years 2013-2023
Publication count 351
Total Volumes 10
Total Issues 33
Downloads 10464
Views 54809
Downloads/article 29.81

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