Bridging the Digital Divide: An Empirical Study on Digital Payment Adoption among Rural Retailers in Tiruchirapalli

M. Mahalakshmi, E. Dhowbika Begum · 2025 · International Journal of Innovative Research in Science Engineering and Technology

Summary. Rural retailers in Tiruchirapalli, India show strong intention to adopt digital payments when they expect performance benefits, have reliable infrastructure, and perceive good value. However, perceived risk and lack of awareness significantly block adoption. The study identifies digital illiteracy, poor internet connectivity, and fraud fears as major barriers, while highlighting opportunities for increased sales and better business records. Success requires improved infrastructure, financial literacy programs, and user-friendly systems.

Read the original

@article{mahalakshmi-2025-bridging-digital-divide-empirical-study,
  title   = {Bridging the Digital Divide: An Empirical Study on Digital Payment Adoption among Rural Retailers in Tiruchirapalli},
  author  = {M. Mahalakshmi and E. Dhowbika Begum},
  journal = {International Journal of Innovative Research in Science Engineering and Technology},
  year    = {2025},
  doi     = {10.15680/ijirset.2025.1412109},
  url     = {https://doi.org/10.15680/ijirset.2025.1412109}
}

TY  - JOUR
TI  - Bridging the Digital Divide: An Empirical Study on Digital Payment Adoption among Rural Retailers in Tiruchirapalli
AU  - M. Mahalakshmi
AU  - E. Dhowbika Begum
JO  - International Journal of Innovative Research in Science Engineering and Technology
PY  - 2025
DO  - 10.15680/ijirset.2025.1412109
UR  - https://doi.org/10.15680/ijirset.2025.1412109
ER  - 

Details

DOI

10.15680/ijirset.2025.1412109

Countries

India

Regions

Asia

Categories

broadband-and-digital, entrepreneurship, policy, general-innovation

Added

2026-05-01