Paper Contents
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.
Copyright
Copyright © 2025 Binay Pal K. This is an open access article distributed under the Creative Commons Attribution License.
