
International Journal For Multidisciplinary Research
E-ISSN: 2582-2160
•
Impact Factor: 9.24
A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal
Home
Research Paper
Submit Research Paper
Publication Guidelines
Publication Charges
Upload Documents
Track Status / Pay Fees / Download Publication Certi.
Editors & Reviewers
View All
Join as a Reviewer
Get Membership Certificate
Current Issue
Publication Archive
Conference
Publishing Conf. with IJFMR
Upcoming Conference(s) ↓
WSMCDD-2025
GSMCDD-2025
Conferences Published ↓
ICCE (2025)
RBS:RH-COVID-19 (2023)
ICMRS'23
PIPRDA-2023
Contact Us
Plagiarism is checked by the leading plagiarism checker
Call for Paper
Volume 7 Issue 3
May-June 2025
Indexing Partners



















The Influence of Digital Payment Systems on Small Enterprises in Prayagraj
Author(s) | Dr. Pallavi Gladwin, Dr. Sebastian Tharapil Joseph |
---|---|
Country | India |
Abstract | The swift integration of digital payment methods is revolutionizing worldwide commercial environments, with India leading this transition. This research examines the effects of digital payment implementation on small enterprises in Prayagraj, Uttar Pradesh, a notable Tier-II city in India. This research utilizes a mixed-methods approach, incorporating a survey of 150 small business owners and in-depth interviews with 20 participants, to investigate adoption rates, perceived benefits (operational efficiency, customer reach, financial management), challenges (transaction fees, security concerns, digital literacy), and influencing factors (business type, size, infrastructure). The data indicate a substantial use of digital payments, especially UPI, resulting in enhanced efficiency and customer outreach. Nonetheless, obstacles concerning transaction fees and digital literacy endure. The study offers significant insights for stakeholders aiming to cultivate inclusive digital finance ecosystems for small enterprises in developing urban areas. |
Keywords | Digital Payments, Small Enterprises, UPI, Digital Transformation |
Field | Business Administration |
Published In | Volume 7, Issue 3, May-June 2025 |
Published On | 2025-05-04 |
DOI | https://doi.org/10.36948/ijfmr.2025.v07i03.43609 |
Short DOI | https://doi.org/g9hsd7 |
Share this

E-ISSN 2582-2160

CrossRef DOI is assigned to each research paper published in our journal.
IJFMR DOI prefix is
10.36948/ijfmr
Downloads
All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.
