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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: February 2026
Volume 11 | Issue 2
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 11
Issue Published : 117
Article Submitted : 21318
Article Published : 8476
Total Authors : 22301
Total Reviewer : 802
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| Paper Title: | Digital Payment Systems and Entrepreneurial Performance: Evidence from Women-Owned Retail Enterprises in Chennai |
| Authors Name: | Dr. C. Khamer Sultana |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_209124
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| Published Paper Id: | IJRTI2601060 |
| Published In: | Volume 11 Issue 1, January-2026 |
| DOI: | https://doi.org/10.56975/ijrti.v11i1.209124 |
| Abstract: | This study investigates the adoption and impact of digital payment systems on the performance of women-owned retail enterprises in Chennai. Using a mixed-methods approach that combines survey data, field observations, and qualitative case studies, the research examines how digital tools influence operational efficiency, financial inclusion, and entrepreneurial growth. Findings reveal that the Unified Payments Interface (UPI) is the most widely adopted digital payment platform, with smartphones serving as the primary transactional device. Adoption occurs across multiple retail sectors, including general retail stores, beauty services, tailoring units, and home-based enterprises, with higher uptake among younger entrepreneurs. The study identifies measurable benefits, such as increased revenue, improved transaction speed, and enhanced customer engagement, while highlighting persistent challenges, including digital literacy gaps, infrastructural limitations, and trust-related concerns. The research also evaluates government initiatives promoting digital adoption and proposes policy recommendations for fostering inclusive growth. By providing localized empirical evidence, this study contributes to the literature on women’s entrepreneurship, digital finance, and urban MSME development. |
| Keywords: | Digital payment systems, Women-owned enterprises, Retail entrepreneurship, Entrepreneurial performance, Financial inclusion, Urban India. |
| Cite Article: | "Digital Payment Systems and Entrepreneurial Performance: Evidence from Women-Owned Retail Enterprises in Chennai", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.11, Issue 1, page no.a437-a443, January-2026, Available :http://www.ijrti.org/papers/IJRTI2601060.pdf |
| Downloads: | 000121 |
| ISSN: |
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 |
| Publication Details: |
Published Paper ID: IJRTI2601060
Registration ID:209124
Published In: Volume 11 Issue 1, January-2026
DOI (Digital Object Identifier): https://doi.org/10.56975/ijrti.v11i1.209124
Page No: a437-a443 Country: CHENNAI, Tamilnadu, India Research Area: Arts Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2601060 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2601060 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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