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Sakshi Uday Naik

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Open access Sep 2026

Analyzing the Impact of Digital Payment Adoption (UPI/FinTech) on Rural Retailers and Agro-Traders

Digital payment adoption has become an important component of India’s financial and commercial transformation, with Unified Payments Interface (UPI), mobile banking, QR-code payments and other FinTech-enabled services increasingly connecting small businesses with customers and formal financial institutions. This paper...

Sakshi Uday Naik, Bhagyashree Sunil Dhamale, Arti Navnath Gudgal et al. · 0 citations

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