Digital Payments in Urban Odisha: Insights from a Primary Survey

Rasmi Ranjan Behera, Rajas Saroy and Sarat Dhal

Review of Development and Change, 2023, vol. 28, issue 2, 141-165

Abstract: This study discusses the insights derived from a primary survey conducted in urban centres in the Indian state of Odisha located in the eastern region of India, which is generally perceived as less developed than other regions of the country. There is evidence that Odisha is catching up with the digital revolution, and the survey reveals significant achievements in terms of people’s general awareness of various digital payment systems and access to smartphones. The use of digital payments has increased with increasing education and income levels, and the proportion of cash transactions has declined post-COVID-19. Major barriers to the wider adoption of digital payments in the state include network issues such as poor internet connectivity, low internet speed and lack of acceptability. The empirical findings of this study establish that receiving incomes into bank accounts instead of in cash increases the affinity towards paying digitally.

Keywords: Payment systems; digital payments; financial inclusion; regional economics (search for similar items in EconPapers)
Date: 2023
References: View references in EconPapers View complete reference list from CitEc
Citations:

Downloads: (external link)
https://journals.sagepub.com/doi/10.1177/09722661231205657 (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:sae:revdev:v:28:y:2023:i:2:p:141-165

DOI: 10.1177/09722661231205657

Access Statistics for this article

More articles in Review of Development and Change
Bibliographic data for series maintained by SAGE Publications ().