International Journal For Multidisciplinary Research

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Digital Payment Modes in Tribal Economy: Challenges and Issues

Author(s) Dr. Chinnama Naidu Jammu, Shaik Darga Madhina, Prof. G. Venkata Chalam
Country India
Abstract India plays a prominent role in digital payments, having attained Digital India. Cashless and digital payment is the objective of Indian financial policy through transparent, accurate and prompt payments, avoiding failed payments and delays. Now, India is the world leader in digital payment users, accounting for nearly 49 percent of global real-time transactions in 2024, with over 164 billion digital transactions processed, largely driven by the Unified Payments Interface (UPI). India's volume far surpasses that of other top countries, with Brazil, China, and Thailand trailing behind. In 2024, 8.1% of people aged 65 and above were digitally literate. According to the NASSCOM 2023 reports, 37 percent of Indians are digitally literate, 61 percent in urban areas, and 25 percent in rural areas. Only 24 percent of households have internet facilities in rural areas, while 66 percent of cities have this facility. In 2024, 31 percent of youth used smartphones, especially for transit and financial transactions. Now, India is a leading position for smart phone usage in the world.
In the previous studies envisaged that tribal interior people used a very low level of digital transactions. The span of digitalisation is much lower than in plain rural areas than urban areas. Now, digital payments are rising incremental growth rate in tribal and interior areas. However, cashless card payments are a hike in daily transactions in the tribal lifestyle. It is a part of daily life. The technological development of information technology spread over to financial, marketing and other aspects applied in online services. The study comprises the digital modes of payments being used by tribal communities, influencing factors, challengesissues faced by tribal people.
Keywords Digital Payments, UPI, NEFT/RTGS, ATM, Credit cards, Mobile wallets, USSD, AEPS, POS, IMPS, and Mobile Banking.
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-03-30
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.80889
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