Search
48 articles for “Payment systems”
-
The Effect of Digital Payment Systems on Financial Performance of Small Retailers: Evidence from a Social Media-Based Survey in Nigeria
Abstract: Objective: This study examines the effect of digital payment systems on the financial performance of small retailers in Nigeria using primary data collected through a social media-based survey. Material and Methods: A cross-sectional research design was employed. Data were collected from 350 small retail business owners through structured questionnaires distributed via social media platforms, including WhatsApp and Facebook. A non-probability convenience sampling technique was adopted. The collected data were analyzed …
Published in NOLEGEIN Journal of Supply Chain and Logistics Management · Vol. 9, Issue 2, 2026 · pp. 1–7 Read article
-
A Study on Assessing the Effectiveness of Indian Post Payments Bank in Expanding Financial Inculsion Among Rural Area
Abstract: Financial inclusion remains a critical driver of equitable economic development in India, particularly in rural areas where access to formal banking services has historically been limited. This study examines the effectiveness of India Post Payments Bank (IPPB) in expanding financial inclusion among rural populations by leveraging the extensive postal network and digital banking infrastructure. Established to bridge the last-mile connectivity gap, IPPB delivers doorstep banking services through postmen and Gramin …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
-
A Study on Recent Trends in Digital Payment System in India
Abstract: India’s digital payment ecosystem has experienced an unprecedented transformation over the past decade, positioning the country as one of the global leaders in real-time digital transactions. This rapid growth has been primarily driven by the Unified Payments Interface (UPI), strong government initiatives under Digital India, expansion of digital public infrastructure, increasing smartphone penetration, and continuous innovation by fintech companies. My study examines recent trends in India’s digital payment landscape during …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
Uses of Debit Cards over Cash
Abstract: When it comes to card payments, many people are not comfortable with it, they still have a fear about it. So people generally opt for traditional cash payment system. In fact lack of awareness about usage of debit cards is one of the reason behind this fear. Also the benefits & advantages of debit card payment systems have not reached to many people yet. Debit cards can be considered as …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 2, Issue 1, 2019 · pp. 16–18 Read article
-
Cashless Policy in Nigeria: The Journey So Far
Abstract: Cashless economic policy was conceptualized by the central bank to migrate Nigeria’s economy from cash-based to a cashless one through electronic payment system; this would not only enable Nigeria’s monetary system be in line with the international best practices and norms, but also increase the proficiency of the payment system which will in turn improve the quality of service being offered to the banking public. This paper examined the recently …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 3, Issue 2, 2020 · pp. 1–13 Read article
-
Impact of COVID-19 on Digital Payment System in Chennai
Abstract: The goal of this study is to quantify the impact of the COVID-19 pandemic on the digital paymentsystem in Chennai. The COVID-19 pandemic has accelerated the adoption of digital payment systemswhile also causing a significant increase in users taking precautionary measures to ensure the safetyof their financial transactions. Questionnaires were used to collect primary data on the ground, whilesecondary data was gathered via the internet, journals, and business publications. A …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 4, Issue 2, 2021 · pp. 24–31 Read article
-
The Adoption of Electronic Payment Systems in Selected Indian Rural Region: An Overview of West Godavari District, Andhra Pradesh
Abstract: Rural economy plays a crucial role in the Indian financial sector, as it constitutes 70% of the work force with 46% of national income. The economic progress of the Andhra Pradesh state has major contribution from rural regions, which constitutes 66.64% population. Current work focuses on the West Godavari which has 95% rural population, a district of Andhra Pradesh. This work studies the adoption level of electronic payments in this …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 3, Issue 2, 2020 · pp. 7–12 Read article
-
A Study on Discount Coupons with Expiry Notification System
Abstract: We all of us are living in a digital world. Everything around us is digitalized and use of digital devices are very common. In this research paper we are going to focus on E-Coupons. As E- commerce business are booming day by day and capturing most of the market as they provide more facilities As compared to traditional market. These E-commerce Websites like Flipkart, Amazon also provides E-Coupons to attract …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 5, Issue 2, 2022 · pp. 9–14 Read article
-
The Evolution of Digital Payments in India: Assessing Impacts and Adoption Trends Before and After Demonetization
Abstract: This study investigates the evolution of digital payment systems in India, analyzing the impact of demonetization on adoption trends and perceptions before and after the policy change. The research employs a mixed-method approach, utilizing a structured questionnaire to gather quantitative data from a stratified sample of Indian residents. The questionnaire explores demographic factors, frequency of digital payment usage, changes in cash usage post-demonetization, perceived security, satisfaction levels, and readiness for …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 7, Issue 2, 2024 · pp. 26–35 Read article
-
Adoption of Unified Payments Interface Among College Students and Educators
Abstract: Digital payment systems play important role in supporting sustainable development. One of the most successful examples in India is the Unified Payments Interface (UPI), introduced by the National Payments Corporation of India in 2016. UPI allows users to make real-time digital transactions through mobile applications and has become one of the most widely used payment systems in India. Currently, Millions of transactions are processed through UPI every month. This study …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 11–18 Read article
-
Domestic Payment Frauds in India (2022–2025): A Quantitative Analysis of Trends, Risk Indicators, and Policy Implications
Abstract: The rapid rise of digital payment systems in India, especially the Unified Payments Interface (UPI), has changed how financial transactions are made by improving convenience, speed, and access for everyone. However, this increase in digital payments has also led to more cyber-related risks, particularly domestic payment fraud. This research aims to look at the patterns and implications of domestic payment fraud in India from September 2022 to March 2025, using …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 6–15 Read article
-
A Study on Fintech Innovations and Their Impact on Traditional Banking Models in Indian Banking System
Abstract: The rapid growth of innovations in financial technology (Fintech) has intensely shaken traditional banking frameworks globally, with India being a vibrant case study based on its extensive unbanked population, digital infrastructure growth, and accommodating regulation policies. This research paper analyzes the influence of Fintech innovations – digital wallets, peer-to-peer lending platforms, AI-based credit scoring, blockchain-based settlement systems, and open banking APIs – on traditional banks’ business models, customer acquisition strategies, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
Digital Payment Adoption in India: A UTAUT2-Based Analysis of Facilitators and Inhibitors
Abstract: The rapid expansion of digital payment systems in India has created a paradox characterized by extensive technological availability alongside uneven user adoption. Although digital payments offer significant advantages, such as convenience, speed, transparency, and enhanced financial inclusion, behavioral resistance continues to limit their widespread acceptance. Concerns related to usability, trust, and perceived value often influence individuals’ decisions to adopt such technologies. In thiscontext, the present study extends the Unified Theory …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 1, 2026 · pp. 25–35 Read article
-
Growth of Digital Wallets in India: Opportunities and Challenges for Business
Abstract: The rapid growth of digital wallets has become one of the most significant developments in India’s evolving digital financial ecosystem. Supported by technological advancements, widespread smartphone adoption, affordable internet connectivity, and proactive government initiatives such as Digital India and Unified Payments Interface (UPI), digital wallets have transformed the way financial transactions are conducted across the country. This study examines the growth of digital wallets in India and evaluates the opportunities …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
UPI and the Transformation of India's Digital Economy
Abstract: From a payment innovation, the Unified Payments Interface (UPI) has grown into a crucial pillar of India's quickly developing digital economy. It is important not just for facilitating electronic transfers but also for establishing an interoperable environment where banks, merchants, customers, and IT firms may engage in digital transactions via a shared infrastructure. This shift has been expedited by the expansion of mobile connection, cellphones, bank account penetration, and financial …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article
-
Assessing the Role of India Post Payments Bank in Promoting Financial Inclusion: A Study on Customer Satisfaction
Abstract: Financial inclusion remains a critical objective in India’s economic development agenda, particularly in extending formal banking services to rural and underserved populations. India Post Payments Bank (IPPB), launched in 2018 under the Department of Posts, represents a unique institutional model that combines digital banking with an extensive postal network to enhance financial accessibility. This study assesses the role of IPPB in promoting financial inclusion, with a specific focus on customer …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 Read article
-
Consumer Experience in a Digital World: Transforming the Indian Future Market
Abstract: India's digital revolution is reshaping its consumer landscape at an unprecedented pace. The digital revolution is reshaping consumer experiences at a fundamental level, especially in emerging economies like India. With rapid advancements in technology, including mobile connectivity, e-commerce, social media, and digital payment systems, Indian consumers are increasingly engaging with brands through digital platforms. This paper explores the evolving concept of consumer experience (CX) within the Indian digital context, focusing …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 8, Issue 2, 2025 · pp. 1–8 Read article
-
Role of Marketing Communication in Adoption of Digital Wallets and UPI Apps
Abstract: India’s transition toward a cash-lite economy has been significantly accelerated by the rapid expansion of mobile-based financial technologies, particularly digital wallets and Unified Payments Interface (UPI) applications. However, the widespread adoption of these platforms depends not only on technological accessibility and usability but also on how effectively their benefits, security, and reliability are communicated to users. This study examines the role of marketing communication in influencing the adoption and continued …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
-
Consumer Behaviour Towards Online Food Delivery Services: A Study of Rajkot City
Abstract: The rapid expansion of online food delivery services (OFDS) has significantly transformed consumer purchasing behaviour in India, particularly in urban and semi-urban regions. Driven by increasing smartphone penetration, digital payment systems, and evolving lifestyle patterns, platforms such as Swiggy and Zomato have redefined food consumption practices. This research investigates consumer behavior related to online food delivery services in Rajkot city, emphasizing the factors that shape usage habits, customer satisfaction, and …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 02, 2026 Read article
-
Innovation-Driven Financial Inclusion as a Catalyst for Sustainable Economic and Social Development
Abstract: A key instrument for advancing sustainable economic and social development is innovation-driven financial inclusion. It entails utilizing technology innovations like digital banking, mobile payment systems, fintech platforms, and data analytics to increase marginalized and underprivileged groups' access to financial services. Innovative financial solutions facilitate access to banking, credit, insurance, and savings facilities for consumers and small enterprises by lowering barriers associated with cost, distance, and documentation. Low-income populations' financial security, …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 Read article