A Study on Consumer Behaviour towards Digital Payments in the city of Bangalore

Registration ID: IJNRD_201731

Published ID: IJNRD2307230

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Chandan Nandihal S , Dr. Atul Loomba

Digital Payment, Consumer behaviour, Demonetization, Digital India, Covid 19

In the recent years, digital payments and its services has gained lot of popularity because of increase in bank accounts and banking transactions. Digital Payment is a way of payment which is made through digital modes. In digital payments, payer and payee both use digital modes to send and receive money. It is also called electronic payment. No hard cash is involved in the digital payments. All the transactions in digital payments are completed online. It is an instant and convenient way to make payments. There has been a change in the consumer behaviour relating to payments. Indian consumers prefer paying in hard cash but on November 8th 2016, the honourable Prime Minister of India announced the demonetization of Rs 500 and Rs 1000 denomination currency notes which accounted for 80% of currency in circulation. The effect of demonetization was such that most of the ATM’s went dry which forced the customers to make digital payments with the help of Internet Banking there by contributing to cashless economy. Also because of Covid 19, both in the first wave and second wave, which forced the people to stay indoors has contributed to the increase in digital payments. This has led to change in the attitude of consumer behaviour with regard to the payments. Consumers earlier where hesitant to make use of digital payments because of fear of security features, but because of demonetization and Covid 19, majority of the consumers are no longer hesitant to make use of digital payments. But not every consumer is making use of digital payments may be because of lack of awareness, because of fear of losing money and because they do not have bank accounts. The number of consumers making digital payments in metropolitan cities is much higher than tier 2 and tier 3 cities because of factors such as easy availability of smart phones and because of fast life. One of the advantages of using digital payments is exact change can be given if the bill amount is odd number and not the round figure.

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Chandan Nandihal S & Dr. Atul Loomba (July-2023). A Study on Consumer Behaviour towards Digital Payments in the city of Bangalore. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 8(7), c314-c324. https://ijnrd.org/papers/IJNRD2307230.pdf

Volume 8 Issue 7, July-2023

Pages : c314-c324

Paper Reg. ID: IJNRD_201731

Published Paper Id: IJNRD2307230

Downloads: 000122003

Research Area: Management

Country: Mysore, Karnataka, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2307230.pdf

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