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30 articles for “digital payments”
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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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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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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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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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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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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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The Futuristic Outlook of E-Commerce in India
Abstract: In the past ten years, India has witnessed extraordinary growth in e-commerce, which can be attributed to the proliferation of smartphones, the growing middle class, and the increasing number of people who have access to the internet. The retail scene has been revolutionized by major firms such as Amazon and Flipkart, as well as growing local platforms, which offer a diverse range of items and services. A further acceleration of …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 3, 2024 · pp. 1–10 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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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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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 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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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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Assessing Digital Literacy among the Oraon Tribe of Jharkhand: A Study
Abstract: Digital literacy is essential for inclusion and socioeconomic empowerment in the digital era. This study examines the digital literacy levels of the Oraon tribe in Jharkhand, with a focus on identifying skill gaps, demographic disparities, and barriers to digital access. A mixed-methods approach was employed to gather data from respondents in the Ranchi district, utilizing structured questionnaires and interviews. Male respondents made up the majority (61.5%), with the largest age …
Published in Recent Trends in Social Studies · Vol. 3, Issue 1, 2026 · pp. 06–12 Read article
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Cyber Movement in India: Trends and Challenges
Abstract: India’s digital transformation has led to a rapid expansion of its cyber ecosystem, making it one of the fastest-growing internet economies in the world. This digital revolution is marked by the growth of online infrastructure, a surge in internet users, and the integration of cutting-edge technologies such as AI, blockchain, and 5G. Yet, it also brings its own distinct challenges. Emerging trends such as the rise of digital payments, e-governance, …
Published in International Journal of Information Security Engineering · Vol. 3, Issue 2, 2025 · pp. 13–24 Read article
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A Study on the Effects of the Computer Revolution in India
Abstract: There are several effects that the computer revolution has had on India, including the following: the software business has emerged as one of the most rapidly expanding in the economy, contributing to the overall expansion of the economy. The government can inform the public about its policies and work through the infrastructure of mobile telephony and information and communication technology. Online shopping is a big business today. Distribution by digital …
Published in Current Trends in Information Technology · Vol. 15, Issue 1, 2025 · pp. 33–43 Read article
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Revolutionizing Financial Technology: AI and FinTech
Abstract: The ground-breaking notion of incorporating AI into financial technology by entering the market has been steadily advancing toward dominance. It has become a lever steering innovation, increasing the pace of productivity and minimizing the likelihood of risk. From digital banking to insurance and payments to compliance with regulations, AI is playing the role of a veteran guide to reinvent the old FinTech models and readdress them as a modernistic and …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 3, 2025 · pp. 07–13 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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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