ISSN2456-3315
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Paper Title
DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION
Authors
JEENA MOL STEPHEN
Keywords
Abstract
The rapid evolution of financial technology has transformed the way individuals and businesses access and utilize financial services. Digital payment systems such as mobile wallets, Unified Payments Interface (UPI), contactless cards, and QR-based payments have emerged as critical tools in promoting financial inclusion, especially in developing economies. This paper explores the role of digital payment systems in expanding access to financial services, reducing transaction costs, and enhancing economic participation. It also examines the challenges associated with digital payment adoption, including infrastructure gaps, cybersecurity concerns, and digital literacy barriers.
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How To Cite
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IJRTI — journal style
"DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION", IJRTI - International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.10, Issue 8, page no.b134-b139, August-2025, Available :https://ijrti.org/papers/IJRTI2508118.pdf
APA — 7th edition
STEPHEN, J. M. (2025). DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION. International Journal for Research Trends and Innovation, 10(8), b134-b139. https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118
MLA — 9th edition
STEPHEN, JEENA MOL. "DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION." International Journal for Research Trends and Innovation, vol. 10, no. 8, 2025, pp. b134-b139, https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118.
Chicago — 17th, bibliography
STEPHEN, JEENA MOL. "DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION." International Journal for Research Trends and Innovation 10, no. 8 (2025): b134-b139. https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118.
Harvard — author–date
STEPHEN, J.M. (2025) 'DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION', International Journal for Research Trends and Innovation, 10(8), pp. b134-b139. Available at: https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118
IEEE — numbered reference
J. M. STEPHEN, "DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION," IJRTI, vol. 10, no. 8, pp. b134-b139, Aug. 2025.
Vancouver — biomedical
STEPHEN JM. DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION. IJRTI. 2025 Aug;10(8):b134-b139.
AMA — 11th edition
STEPHEN JM. DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION. IJRTI. 2025;10(8):b134-b139. Accessed at https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118
BibTeX — Zotero, Mendeley, LaTeX
@article{IJRTI2508118,
author = {JEENA MOL STEPHEN},
title = {DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION},
journal = {International Journal for Research Trends and Innovation},
volume = {10},
number = {8},
pages = {b134-b139},
year = {2025},
month = {August},
issn = {2456-3315},
url = {https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - STEPHEN, JEENA MOL
TI - DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON FINANCIAL INCLUSION
T2 - International Journal for Research Trends and Innovation
JA - IJRTI
VL - 10
IS - 8
PY - 2025
SN - 2456-3315
UR - https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118
SP - b134-b139
ER -
Issue
Volume 10 Issue 8,
August-2025
Pages : b134-b139
Other Publication Details
Paper Reg. ID
IJRTI_205773
Published Paper ID
IJRTI2508118
Downloads
205,656
Research Area
Management
Country
TRIVANDRUM, KERALA, India
Published
August 2025
Published Paper PDF
https://ijrti.org/papers/IJRTI2508118.pdf
Published Paper URL
https://ijrti.org/viewpaperforall.php?paper=IJRTI2508118
About Publisher
International Journal for Research Trends and Innovation
Published by IJRTI (JW Publication)
2456-3315
ISSN
10.57
Impact Factor
2016
ESTD Year
Open
Access
Impact Factor 10.57 calculated by Google Scholar and Semantic Scholar.
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The content, data and findings in this article are based on the authors’ research and have been
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Declarations
Funding
No external funding was received for this study.
Conflict of Interest
The authors declare that they have no conflict of interest.
Acknowledgements
The authors would like to thank the reviewers and the editorial board of International Journal for Research Trends and Innovation for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
