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Digital Payment In India : The Studies

A study about digital payments system and consumer perceptions in India shows that there is an increasing adoption of digital payments. This is likely due to the recent policy initiatives and technological developments. However, it is not clear how consumer perceptions will change with the addition of new DtoP features or in the longer term.

Digital Payment In India : The Studies

A journal about the impact of Covid-19 on digital payments in India has been done. The study has shown that the rollout of Covid-19 may bring second thoughts about using cash as the cases rise up. The study found that going cashless may be a better option for some people due to the concerns about Covid-19.

An evaluation about demonetization in Indian economy has shown that it has had a decisive impact on e-commerce in the country. This Briefing Note dives into what has happened so far and how it will affect the Indian economy. It states that demonetization has given a boost to digital payments and is encouraging people to shop online more. This will definitely provide an opportunity for e-commerce players to push customers towards adopting cashless instruments and recalibrate business. In addition, demonetization has also led to a drop in value of currency, which is affecting businesses and shoppers alike.

An article about the impact of the Covid-19 outbreak on digital payment in India has been conducted. The study found that the Covid-19 outbreak led to a severe financial crisis in India during the entire financial year 2020/21. However, through its strong fundamentals, the Indian economy has shown that the Covid-19 outbreak has not led to a great fall in industry or jobs overall.

A journal about the impact of the Covid-19 outbreak on digital payment in India was conducted. The study found that the Covid-19 outbreak had a significant impact on digital payment in India. This was due to the fact that a significant number of businesses were impacted by this pandemic and had to face some challenges in terms of accepting payments.

An evaluation about how e-commerce can benefit business owners identified four main areas in which e-commerce can be extremely beneficial to businesses: First, as a way to increase sales and drive traffic to website. Second, as a way to improve customer service and reduce support needs. third, as a way to reduce costs associated with selling products online from conception until shipment. Finally, as a means of sustainable marketing that goes beyond the traditional print marketing channels.

A study about online retail in the United States found that e-commerce makes up 21% of total retail sales and this market is expected to grow at a rate of 21% between 2007 and 2020. The growth of the e-commerce sector is based on many reasons, some of which are given below: 1. Increased online convenience 2. Expanded access to global markets 3. Increase in wages for commissioned professionals 4. Fall in cost of materials and equipment.

A review about the customer aspects of cyber securities in e-banking has been conducted by an international organisation. The study found that there are several key areas where cyber security rights and operated must be considered by banks in order to protect their customersÂ’ information. The study has identified several risks that are associated with cyber security in banking, including data exposures, Hacktivism, DDoS attacks, and TROIs. Bank officials must take into account the importance of Cybersecurity when investigating credit applications, operations, and risk assessments for different entities.

An analysis about the customer aspects of cyber securities in e-banking has been conducted by the researcher in this paper. In this study, it was found that the reading and use of cyber securities is a common phenomenon in banks and is also an important part of the safety of banksÂ’ data. To keep their customers safe, banks are increasingly relied upon the use of cyber security measures such as special keys, generating unique tokens, and random number generation.

An analysis about customer aspects of cyber securities in e-banking has been conducted. The study found that the use of the Internet as a delivery channel for customer data is effective in maintaining customer trust and helping banks improve their cyber security posture. In addition, the study found that the effectiveness of cyber security systemsdepends largely on how well banks manage their customers' personal data.

A study about the payment system in a country reveals that it is an important part of the country's financial system and participates in the overall development process. A properly functioning payment system helps to ensure efficient exchanges of money and ensure safe and secure payments. A payment system is essential for economic growth, because it allows for the spread of goods and services both locally and internationally.

A paper about the functioning of payment systems in different developing countries found that the payment system has a key role in the development of a country. Located at the heart of any economy, the payments system enables SBP to fulfill its essential functions including connecting businesses and consumers, facilitatingenta payments, and settling debts and payments. Of particular interest are discussions on how to improve the efficiency of payment systems in order to realize inclusive growth. The study found that in some cases, stable and efficient payment systems were critical for achieving economic development. However, others saw mismatches between business needs and financial availability asPrimary causes for instability and lack of progressivity in payment systems. The study also found that improving payment systems is essential for achieve inclusion goals as they provide a path to Empirical Poverty Reduction (EPR) outcomes through acceleratedMonetary Emancipation ( Medina et al., 2009 ), increased revenue mobilization, new business creation, and broader access to credit.Therefore, identifying possible improvements to Payment Systems is an important part of efforts to build strong Integration Structures which willenable SBP parker- Lever global public finance ser nices so asberger global open alliances obtains better terms WIth basket companies These improvements will require collaborativejoinedefforts frompayment system.

An analysis about the awareness of payday institutionsamong people in Kottayam District, Kerala has been conducted by RBI. The study found that about 54% of the population in the district knew about one or more payday institutions. The study also found that nearly half of the population (49%) knew about one or more financial Institution which could provide services like payday loans, debit cards and other transactions accepted through phone and internet.

A study about the awareness of payment banks among people in Kottayam District, Kerala has been carried out. The study found that the majority of the people in the district are unaware of the existence of payment banks. However, there is some improvement seen in the awareness levels of people towards these banks over the past few years. RBI has been trying to build a financial inclusion objective for India through various schemes, such as its Pension Scheme for women and children and Ease of Doing Business Index (EBDI). This will help create a poverty-free India by 2020.

A journal about the trends and challenges of E-payment services in India has revealed that the widespread acceptance of the system is still being overshadowed by a number ofDespite its convenience and quickness, E-payment systems are still nascent around the world. This has led to a proliferation of payment systems, with in-house service providers and global ones flourishing. The study found that while there is majority of people who were comfortable using e-payments (86.8%), there exists a large majority who are yet to adopt the system. This may be due to several factors such as the high cost involved in setting up an E-payment system or lack of understanding about it by consumers. Additionally, there exists a concern about identity theft as third-party merchants have been reported to be taking advantage of E-payment customers' personal data.

A journal about people with visual impairments' using cash and digital payments reveals that they find it difficult to use traditional banking tools such as PAYG cards and supermarkets to make online payments. They are also challenging in terms of accessibility, as they need help to seated at a computer and type in numbers to make an online payment. Despite these difficulties, the people with visual impairments appreciate the convenience of using digital payment gateways, such as SwipePay or factoredsat.

An article about adoption of digital payment through mobile payment application with reference to Gujarat State. The study found that the trend of digital payments has been increasing rapidly in recent years with the development of the Internet and due to the easy accessibility of Internet usage, this has driven consumers to use mobile payment applications. Mobile payment applications are becoming more popular because they are convenient and easy to use, which makes them an appealing choice for those who want to make digital payments.

An evaluation about the awareness of payment banks among people in the Kurukshetra District, India has shown that there is still a lot ofadequate understanding about financial institutions by a majority of the population. The study revealed that only about 50% of the population in the district knew about RBI's efforts to promote financial inclusion in India.

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