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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: March 2026
Volume 11 | Issue 3
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Impact Factor : 8.14
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Issue Published : 118
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| Paper Title: | DIGITAL TRANSFORMATION IN PAYMENTS STUDY ON CONSUMER AWARENESS AND USAGE OF MOBILE WALLETS IN ANDHRA PRADESH |
| Authors Name: | DR.K.PADMAPRIYA , G. Swathi , T. Pavankumar , P. Dinesh Kumar , A.UDYA KIRAN GOUD |
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IJRTI_207765
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| Published Paper Id: | IJRTI2511124 |
| Published In: | Volume 10 Issue 11, November-2025 |
| DOI: | |
| Abstract: | India is one of the fastest-growing digital payment markets in the world. Mobile wallets or e-wallets have framed a promising ecosystem, driven by strong technological initiatives and key government projects like Digital India, Atmanirbhar Bharat, and Make in India. This has created considerable demand for secure, efficient e-wallet payment systems. An e-wallet is a pre-paid pay service, usually offered through an Android mobile device and financially regularized. It must be linked with one's bank account to operate. Functionally, it consists of two elements: software, which supports encryption that safeguards information; and data, which holds crucial personal and payment information such as name, card details, among others. The increasing trend of mobile wallets is fast rendering traditional modes of payments, such as cash, checks, and cards, obsolete. Globally, consumers are far more likely to use a digital wallet. At the forefront of this trend is India, with the highest global digital wallet adoption rate, used by 90.8% of consumers in 2024-25.This rapid growth is mainly because of unprecedented smartphone and internet penetration, with growing awareness among consumers about the wallets' sheer convenience. Besides, merchants are beginning to accelerate their adoption due to lower setup costs and transaction fees offered by mobile wallets compared to traditional card-based systems. This behavioral and structural shift confirms the mobile wallet's critical role in shaping India's burgeoning digital economy. |
| Keywords: | Digital Wallet, Mobile Wallet, E-Wallet, Consumer Awareness, Adoption Digital Payments, Payment Ecosystem |
| Cite Article: | "DIGITAL TRANSFORMATION IN PAYMENTS STUDY ON CONSUMER AWARENESS AND USAGE OF MOBILE WALLETS IN ANDHRA PRADESH", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 11, page no.b175-b185, November-2025, Available :http://www.ijrti.org/papers/IJRTI2511124.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2511124
Registration ID:207765
Published In: Volume 10 Issue 11, November-2025
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Page No: b175-b185 Country: -, -, India Research Area: Engineering Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2511124 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2511124 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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