A study on impact of digital literacy on digital  payment adoption among rural consumers

C.Srivarsha

A study on impact of digital literacy on digital payment adoption among rural consumers

April 2026

Vol-12, Issue-2

Paper ID: 28249

ISSN: 2395-4396

Downloads: 0

Abstract & Details

Research Area

Commerce

Keywords

KEYWORDS: Digital Literacy Digital Payment Adoption Rural Consumers Financial Inclusion Perceived Usefulness Ease of Use Social Influence Digital Payment Systems.

Abstract

ABSTRACT This study examines the impact of digital literacy on digital payment adoption among rural consumers. Digital literacy plays an important role in helping people understand and use modern digital payment systems. In rural areas, many consumers face challenges such as lack of awareness, limited internet access, and low technological knowledge. The study aims to analyze how digital knowledge influences the willingness of rural consumers to use digital payment methods. It also focuses on factors like perceived usefulness, ease of use, and social influence. The research highlights that improved digital literacy can increase confidence in using digital payment platforms. As a result, rural consumers can perform financial transactions more easily and securely. The study also emphasizes the role of banks and government initiatives in promoting digital education. Overall, higher digital literacy leads to greater adoption of digital payments in rural areas. Therefore, increasing digital literacy is essential for financial inclusion and economic development.

License

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Author Information

#	Name	Institute / Affiliation
1	C.Srivarsha	AVP college of arts and science

How to Cite

Use the following formats to cite this article in your research.

APA Style

C.Srivarsha (2026). A study on impact of digital literacy on digital payment adoption among rural consumers. International Journal of Advance Research and Innovative Ideas In Education, 12(2), 1086-1090.

MLA Style

C.Srivarsha. "A study on impact of digital literacy on digital payment adoption among rural consumers." International Journal of Advance Research and Innovative Ideas In Education, vol. 12, no. 2, 2026, pp. 1086-1090.

IEEE Style

C.Srivarsha, "A study on impact of digital literacy on digital payment adoption among rural consumers," International Journal of Advance Research and Innovative Ideas In Education, vol. 12, no. 2, pp. 1086-1090, 2026.

Vancouver Style

C.Srivarsha. A study on impact of digital literacy on digital payment adoption among rural consumers. International Journal of Advance Research and Innovative Ideas In Education. 2026;12(2):1086-1090.

Harvard Style

C.Srivarsha (2026) 'A study on impact of digital literacy on digital payment adoption among rural consumers', International Journal of Advance Research and Innovative Ideas In Education, 12(2), pp. 1086-1090.

Chicago Style

C.Srivarsha. "A study on impact of digital literacy on digital payment adoption among rural consumers." International Journal of Advance Research and Innovative Ideas In Education 12, no. 2 (2026): 1086-1090.

Turabian Style

C.Srivarsha. "A study on impact of digital literacy on digital payment adoption among rural consumers." International Journal of Advance Research and Innovative Ideas In Education 12, no. 2 (2026): 1086-1090.