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Title: :  A study on impact of digital literacy on digital payment adoption among rural consumers
PaperId: :  28249
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 12 Issue 2 2026
DUI:    16.0415/IJARIIE-28249
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
C.SrivarshaAVP college of arts and science

Abstract

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

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IJARIIE 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 Volume 12 Issue 2 2026 Page 1086-1090
MLA 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 12.2(2026) : 1086-1090.
APA 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.
Chicago 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.
Oxford 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, p. 1086-1090. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/A_study_on_impact_of_digital_literacy_on_digital__payment_adoption_among_rural_consumers_ijariie28249.pdf (Accessed : ).
Harvard 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. 1086-1090IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/A_study_on_impact_of_digital_literacy_on_digital__payment_adoption_among_rural_consumers_ijariie28249.pdf (Accessed : )
IEEE 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, Mar-App 2026. [Online]. Available: https://ijariie.com/AdminUploadPdf/A_study_on_impact_of_digital_literacy_on_digital__payment_adoption_among_rural_consumers_ijariie28249.pdf [Accessed : ].
Turabian 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 [Online]. volume 12 number 2 ().
Vancouver 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 [Internet]. 2026 [Cited : ]; 12(2) : 1086-1090. Available from: https://ijariie.com/AdminUploadPdf/A_study_on_impact_of_digital_literacy_on_digital__payment_adoption_among_rural_consumers_ijariie28249.pdf
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