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21 articles for “Digital payment systems”
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Analysis of Market Growth of Digital Payment Tools in India with Special Reference to UPI
Abstract: Digital transaction provides a transparent and easy way for customers; this new paradigm of financial transactions leads to an increment in the trust of customers. The Indian retail market has completely shifted to the Unified Payment Interface (UPI) for digital payment transactions. The Internet and Mobile Association of India report forecasts that the number will reach 900 million by 2025. Digital transactions facilitate numerous benefits over cash transactions, including convenience, …
Published in Journal of Artificial Intelligence Research & Advances · Vol. 11, Issue 3, 2024 · pp. 1–12 Read article
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Digital Transformation in Public Transport Management
Abstract: The digital transformation of public transport systems has emerged as a critical driver for improving urban mobility and addressing the growing challenges of congestion, inefficiency, and environmental sustainability. Public transport management systems are advancing through the integration of cutting-edge technologies like cloud computing, artificial intelligence (AI), big data analytics, and the Internet of Things (IoT). These innovations enhance efficiency, intelligence, and user experience, making transportation more seamless and responsive to …
Published in Trends in Transport Engineering and Applications · Vol. 12, Issue 1, 2025 · pp. 17–21 Read article
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Impact of Demonetization on Banks: Study on NPA of Public Sector Banks in Context with How to Stabilize NPA
Abstract: The banking sector is the pillar of the economy but now it has become the complete foundation of it. Business industries are developing, and the banking sector also benefits by expanding its activities. Other banking services charges are the medium of generating opportunity to getting more non fund base income. Nowadays banking sector has taken advantages of new technology for providing better services to their customers with less charges. Traditional …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 2, 2024 · pp. 29–33 Read article
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Digital Payments as a Driver of Sustainable Consumption: A Consumer-Based Study of Perceived Challenges and Opportunities in FinTech Ecosystems
Abstract: The Digital Payment Systems evolved remarkably fast, and so, have transformed the way in which the consumer makes purchases for products and services as well as the way in which they function economically, i.e., how they consume things. Beyond convenience and efficiency, digital payments are increasingly viewed as a potential driver of sustainable consumption by reducing cash dependency, improving transaction transparency, and supporting responsible spending practices. This study examines digital …
Published in International Journal of Optical Innovations & Research · Vol. 4, Issue 1, 2026 · pp. 1–12 Read article
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Mapping the Literature on Digital Payment: A Comprehensive Review and Bibliometric Analysis
Abstract: This study essentially performs a comprehensive and in-depth analysis of the current research on digital payment systems. It examines and evaluates 346 journal papers from reliable sources like Scopus and Web of Science that were published between 2015 and 2023. The study intends to give readers a thorough grasp of the state of the art in the field of digital payments research, pinpoint new directions, and emphasize important issues. Among …
Published in International Journal of Optical Innovations & Research · Vol. 2, Issue 1, 2024 · pp. 41–59 Read article
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A Study on Perception and Behavior of Consumers Towards Digital Financial Transactions
Abstract: The rapid evolution of digital technology, coupled with increased smartphone usage and proactive governmental policies, has revolutionized the landscape of financial transactions. This study examines consumer perceptions and behavioral patterns related to digital payment systems, with a specific focus on usage trends, preferences, and concerns. Utilizing primary data collected through a structured survey of 110 respondents in North Delhi, the research reveals that digital transactions are predominantly perceived as convenient, …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 60–69 Read article
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Enhancing Security of UPI Payments Through Artificial Intelligence
Abstract: The integration of Artificial Intelligence (AI) into modern digital payment systems has brought about a significant transformation in the banking and financial sector. Among these systems, the Unified Payments Interface (UPI), developed by the National Payments Corporation of India (NPCI), has emerged as one of the most successful real-time payment mechanisms due to its simplicity, accessibility, and efficiency. With the incorporation of AI technologies, UPI has witnessed notable improvements in …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 2, 2025 · pp. 7–12 Read article
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A Study on Behavioral Economic Analysis Among Gen Z in Navi Mumbai: Reference to UPI
Abstract: India is well on its way to becoming a cashless nation with the launch of the Unified Payment Interface (UPI). The new payment system enables your smartphone to function as a virtual debit card. UPI-based payment apps have notably influenced consumer behavior, especially among the tech-savvy Generation Z (Gen Z), as the digital landscape continues to evolve. In Navi Mumbai, UPI was designed to offer users efficiency, widespread accessibility, transparency, …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 3, 2024 · pp. 33–47 Read article
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Kinds of Digital Payment Technology: Exploring the Evaluation
Abstract: Digital payment technologies has revolutionized financial transactions, immolating faster, safe, and more approachable solutions. This paper inspects the evolution and types of digital payment systems, embrace Near Field Communication (NFC), Quick Response (QR) codes, mobile wallets, blockchain-based payments, and biometric authentication. It examines key drivers of adoption, such as accessible and technological advancements, while addressing threats like security risks and regulatory compliance. The study provides the role of these technologies …
Published in Journal of Telecommunication, Switching Systems and Networks · Vol. 12, Issue 1, 2025 · pp. 9–14 Read article
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BVC Edupay – Smart College Fee Payment System
Abstract: Fee management has become a crucial component of modern educational institutions, with increasing reliance on digital platforms to handle financial transactions and administrative processes. However, students and staff often encounter challenges such as scattered fee information, manual verification procedures, delayed payment updates, and limited transparency across departments. To address these issues, BVC EduPay – Smart College Fee Payment System is developed as a centralized digital platform that consolidates academic fees, …
Published in Journal of Open Source Developments · Vol. 13, Issue 1, 2026 Read article
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Medicine and Femmecare Sanitary Napkins Vending Machine
Abstract: Access to affordable sanitary napkins and essential medicines in rural areas of India remains a significant challenge. This paper presents an innovative vending machine designed for rural areas to provide essential sanitary napkins and medicines, aiming to enhance public health and welfare. The vending machine addresses menstrual hygiene by offering free sanitary napkins to registered women via a unique QR code system, leveraging Raspberry Pi technology and a Pi camera. …
Published in Journal of Microelectronics and Solid State Devices · Vol. 11, Issue 1, 2024 · pp. 22–29 Read article
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Blockchain Technology: An Overview on Its Working Applications
Abstract: Blockchain technology is one of the enhanced technologies in this era, operating as a structural database that accumulates and stores information in discrete blocks. These blocks are interconnected, forming a chain where data is securely stored. Blockchain employs enhanced security measures to protect against tampering, manipulation, or hacking attempts. A main aspect of blockchain is its decentralized system. When a transaction occurs, approval from authorities within the business network is …
Published in Journal of Mobile Computing, Communications & Mobile Networks · Vol. 11, Issue 2, 2024 · pp. 33–39 Read article
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Evaluating Delay Impacts: From Root Cause Analysis to Dispute Resolution
Abstract: Construction projects inherently involve complex coordination among multiple stakeholders, interdependent tasks, and unpredictable external challenges, which frequently cause schedule overruns and disputes. Traditional contractual mechanisms—such as extensions of time (EoT), liquidated damages, and force majeure clauses—serve to define responsibilities, allocate risk, and establish formal dispute pathways when delays arise. For example, EoT provisions protect contractors from penalties when delays are beyond their control, provided proper notice and evidence are submitted …
Published in Journal of Structural Engineering and Management · Vol. 12, Issue 3, 2025 · pp. 11–25 Read article
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AI and E-Commerce in the Sultanate of Oman and its Prospects
Abstract: In line with the Sultanate of Oman's strategic vision for 2040, there has been a notable surge in prioritizing information and communication technology. Emphasizing the imperative of digital transformation, this vision underscores the necessity for both public and private institutions to continually evolve and enhance their administrative functions and services. Digital transformation extends beyond mere technological integration, presenting a holistic organizational restructuring, encompassing internal operations to public service delivery. A …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 1, 2024 · pp. 23–29 Read article
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Mobile Technologies and Library
Abstract: Mobile technology has significantly transformed the landscape of library services by enhancing accessibility, operational efficiency, and user engagement. With the widespread adoption of smartphones and tablets, libraries have rapidly evolved to offer mobile-friendly services that cater to the needs of modern users. These services include mobile access to online catalogues, digital lending platforms, virtual reference services, and remote access to e-books, academic journals, and research databases. By leveraging mobile applications, …
Published in Journal of Advancements in Library Sciences · Vol. 12, Issue 2, 2025 · pp. 27–30 Read article
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Cyber Security Challenges in Developing Countries: A Special Reference to Afghanistan
Abstract: This review paper explores the widespread cybersecurity challenges encountered by developing countries, specifically concentrating on Afghanistan during the period from 2020 to 2024. The study highlights the significant gaps in cybersecurity capabilities, infrastructure, and regulatory frameworks that exacerbate the vulnerability of these nations to cyber threats. Key findings include the lack of basic legal frameworks for countering cybercrime, with only a minority of African states, and presumably other developing regions …
Published in International Journal of Information Security Engineering · Vol. 3, Issue 1, 2025 · pp. 1–6 Read article
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A Review on Tailor Craft E-Commerce: Design, Implementation and Evaluation
Abstract: The rapid growth of e-commerce has transformed how consumers purchase products and interact with businesses. In particular, the clothing and fashion industry has embraced digital platforms to extend its reach, improve accessibility, and offer convenience to customers. However, challenges such as unclear product information, insecure payment methods, poor user experience, and inefficient order tracking still limit customer satisfaction in many platforms. The Tailor Craft E-Commerce project aims to bridge these …
Published in Journal of Advanced Database Management & Systems · Vol. 13, Issue 1, 2026 Read article
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A Comprehensive Analysis of Various Payment Gateways for Web-based Food Ordering
Abstract: The digital revolution has ushered in profound transformations across industries, and the online food sector stands at the forefront of this evolution. With consumers increasingly prioritizing convenience and accessibility, the online food industry has witnessed unprecedented growth. In this dynamic landscape, payment gateways have emerged as indispensable components, facilitating seamless transactions and driving operational efficiency for online food restaurant websites. This research article endeavors to conduct a comprehensive analysis of …
Published in Journal of Web Engineering & Technology · Vol. 11, Issue 2, 2024 · pp. 1–6 Read article
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Design and Implementation of an Online Food Ordering System
Abstract: This study illustrates how the Online Food Ordering System has been tailored specifically to address the operational needs of Hotel Ambika, a semi-urban establishment. The system is designed to offer customers a smooth and interactive experience, allowing them to navigate through an organized menu, personalize their orders, and complete transactions with minimal effort. By using secure payment gateways and a virtual cart for easy order management, the system ensures a …
Published in Journal of Computer Technology & Applications · Vol. 16, Issue 2, 2025 · pp. 106–115 Read article
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Store Management System
Abstract: E-commerce into agriculture has significantly changed the existing structures of the agricultural markets. For farmers, it provides a direct outlet to sell their farm products and for consumers, it offers the opportunity to buy fresh and organic farm products. Here we report the design and development of an e-commerce web application for agricultural trading that not only makes use of modern web technologies but also allows farmers to list their …
Published in Research & Reviews : Journal of Agricultural Science and Technology · Vol. 14, Issue 3, 2025 · pp. 01–9 Read article