STUDY ON SCOPE OF DIGITAL PAYMENTS IN RURAL AREAS OF NORTH KARNATAKA

AUTHOR – BINAY PAL K, STUDENT AT GIBS BUSINESS SCHOOL, BANGALORE

BEST CITATION – BINAY PAL K, STUDY ON SCOPE OF DIGITAL PAYMENTS IN RURAL AREAS OF NORTH KARNATAKA, ILE MULTIDISCIPLINARY JOURNAL, 4 (1) OF 2025, PG. 198-202, APIS – 3920-0007 | ISSN – 2583-7230.

ABSTRACT

This study examines the extent and the challenges of using digital payments in rural North Karnataka, India. Because digital technologies are rapidly growing, understanding what deeply affects why underserved areas accept digital payment methods is important for financial inclusion and economic growth. The research will examine awareness of government initiatives, digital literacy, and internet connectivity. It will also examine the availability of digital payment infrastructure and trust in digital platforms. Thorough information will be precisely collected via complete surveys as well as via systematic interviews along with multiple fruitful focus group discussions with all participating residents, every anxious merchant, in addition to many meaningful local government officials. These findings should give a large comprehension of what digital payments can do across rural North Karnataka and point to key areas where action can increase wider use and deal with present problems.

Keywords – Digital Payments, Rural India, North Karnataka, Financial Inclusion, Economic Development, Digital Literacy, Financial Literacy, Technology Adoption, UPI, Mobile Wallets, POS Terminals, Internet Connectivity, Smartphone Penetration, Digital Divide, Trust & Security, Government Initiatives (e.g., PMJDY, Digital India), Farmer Empowerment, Microfinance Rural Markets, Socio-economic Impact.