Current - Issue
Year 2026 · Volume 5 · Issue 2
Original Article
Measuring Cashless Economy Readiness: An Empirical Study of Digital Payments in India
Sarthak Kumar1
Dr. Densy John Vadakkan2
*1 2 School of Science and Computer Science, CMR University, Bengaluru, Karnataka, India. *Corresponding Author.
Published Online: May-August 2026
Pages: 1084-1086
Cite this article
No DOIReferences
1. World Bank, Digital Financial Inclusion, World Bank Group, Washington, DC, USA, 2022.
2. OECD, The Future of Digital Payments, OECD Publishing, Paris, France, 2021.
3. Reserve Bank of India, Payment System Indicators, RBI Bulletin, Mumbai, India, 2017.4. Reserve Bank of India, Annual Report, RBI, Mumbai, India, 2022.
5. Government of India, Digital India Programme, Ministry of Electronics and Information Technology, New Delhi, India, 2020.
6. National Payments Corporation of India, UPI Product Statistics, NPCI, Mumbai, India, 2023.
7. Humphrey, D. B., et al., Benefits from a changing payment technology in European banking, Journal of Banking & Finance, vol. 30, no. 6,
pp. 1631-1652, 2006.
8. Mallat, N., Exploring consumer adoption of mobile payments, Journal of Strategic Information Systems, vol. 16, no. 4, pp. 413-432,
2007.
9. Dahlberg, T., et al., A critical review of mobile payment research, Electronic Commerce Research and Applications, vol. 14, no. 5, pp.
265-284, 2015.
10. Singh, S., and Rana, R., Study of consumer perception of digital payment modes, International Journal of Applied Business and
Economic Research, vol. 15, no. 23, pp. 1-12, 2017.
2. OECD, The Future of Digital Payments, OECD Publishing, Paris, France, 2021.
3. Reserve Bank of India, Payment System Indicators, RBI Bulletin, Mumbai, India, 2017.4. Reserve Bank of India, Annual Report, RBI, Mumbai, India, 2022.
5. Government of India, Digital India Programme, Ministry of Electronics and Information Technology, New Delhi, India, 2020.
6. National Payments Corporation of India, UPI Product Statistics, NPCI, Mumbai, India, 2023.
7. Humphrey, D. B., et al., Benefits from a changing payment technology in European banking, Journal of Banking & Finance, vol. 30, no. 6,
pp. 1631-1652, 2006.
8. Mallat, N., Exploring consumer adoption of mobile payments, Journal of Strategic Information Systems, vol. 16, no. 4, pp. 413-432,
2007.
9. Dahlberg, T., et al., A critical review of mobile payment research, Electronic Commerce Research and Applications, vol. 14, no. 5, pp.
265-284, 2015.
10. Singh, S., and Rana, R., Study of consumer perception of digital payment modes, International Journal of Applied Business and
Economic Research, vol. 15, no. 23, pp. 1-12, 2017.
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