Digital Payments and Financial Inclusion: Sustainable Finance Innovations in Rural Pune

Sagar Govardhandas Gujarathi, Sadashiv Vitthal Umbardand · 2026 · Zenodo (CERN European Organization for Nuclear Research)

Summary. Digital payment innovations including UPI, mobile banking, and Aadhaar-enabled services are expanding financial inclusion in rural Pune, India. Young adults and those with mobile internet access adopt these tools most readily, with village shops increasingly accepting QR code payments. Digital finance reduces transaction costs, improves transparency, and enables credit access for traditionally excluded populations. However, low digital literacy, weak infrastructure, and social barriers persist in rural areas, requiring targeted literacy programs and locally-relevant financial products.

Read the original

@article{gujarathi-2026-digital-payments-financial-inclusion-sustainable,
  title   = {Digital Payments and Financial Inclusion: Sustainable Finance Innovations in Rural Pune},
  author  = {Sagar Govardhandas Gujarathi and Sadashiv Vitthal Umbardand},
  journal = {Zenodo (CERN European Organization for Nuclear Research)},
  year    = {2026},
  doi     = {10.5281/zenodo.19159994},
  url     = {https://doi.org/10.5281/zenodo.19159994}
}

TY  - JOUR
TI  - Digital Payments and Financial Inclusion: Sustainable Finance Innovations in Rural Pune
AU  - Sagar Govardhandas Gujarathi
AU  - Sadashiv Vitthal Umbardand
JO  - Zenodo (CERN European Organization for Nuclear Research)
PY  - 2026
DO  - 10.5281/zenodo.19159994
UR  - https://doi.org/10.5281/zenodo.19159994
ER  - 

Details

DOI

10.5281/zenodo.19159994

Countries

India

Regions

Asia

Categories

broadband-and-digital, funding, policy

Added

2026-04-28