A STUDY ON ADOPTION OF DIGITAL PAYMENT SYSTEM AMONG SMALL RETAILERS IN TENKASI DISTRICT
  https://doi.org/10.65725/JCMCE/2/4/007
JOURNAL OF CONTEMPORARY TRENDS IN MANAGEMENT, COMMERCE AND ECONOMICS (JCMCE) 
ISSN: 3108-3501
Volume 2 Issue 4, October -December 2026

Abstract:
Digital payment system has revolutionized trade and business extensively. With the advent of UPI and other digital mode of payment system has offered numerous benefits to both retailers and customers alike. Transactions are just a swipe away and are time saving, billions of customers prefer digital payment system due to its convenience. Retailers have also started adopting digital payment system due to its immense popularity and ease. However, small retailers still struggle to adopt digital payment system as they find it new and have security concerns. Lack of awareness and certain inhibitions to adopt the digital payment system has impacted theit business in one way or other. Inspite of all these, many are still reluctant to adopt digital payment system and stick to traditional mode of cash payment. Tenkasi, as a newly formed district has many small and medium retail shops catering to the needs of the general public. With ever growing population and demands, it becomes essential to study the retailers’ awareness and adoption of digital payment system. Against this backdrop,the present study has been taken up to study the adoption of digital payment system among retailers in Tenkasi district.

Authors: Dr.S.V.Divya 

Keywords: Digital payment, adoption,UPI.