Impact of Cashless Economy on Consumer Transaction

A. Mary Judit*
Periodicity:July - December'2024

Abstract

Digital payments witnessed a massive growth post demonetization, especially with the government and the banking Regulator’s attempt to make India a ‘less-cash economy’. The coming together of new-age technology and traditional banking methodology has become a win-win situation for the financial ecosystem, offering more options to customers in the payments system space. The objectives of this study are to examine the acceptance of cashless methods of payment among consumers and to identify the consumer perception towards cashless transaction. The study focuses on impact of cashless economy on consumer transaction in Kanyakumari District. Primary data collection involves convenience sampling with a sample size of 100. Secondary data were obtained from journals, books, websites and databases. This paper concludes that widespread use of digital payments will lead to the development of a cashless economy leading to transparency, curbing corruption and facilitating economic growth.

Keywords

Digital payment, cashless economy, consumer transaction, traditional banking, curbing corruption.

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