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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016 Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) |
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| Paper Title: | “SURVEY OF RETAIL PAYMENT HABIT OF AN INDIVIDUAL” |
| Authors Name: | Keerthana B , Kevino Koso , Kishan Kumar , Kishan Nikhilesh V |
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IJNRD_194174
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| Published Paper Id: | IJNRD2305125 |
| Published In: | Volume 8 Issue 5, May-2023 |
| DOI: | |
| Abstract: | This study has been undertaken to understand the habits of retail payment users of an individual. This is to understand an individual’s perceptions of retail payment habits. Forwarded by recent policy initiatives and technological developments, India’s digital payment system is a promising success story in the making. At the same time, the data also points towards an increasing usage of cash. We find compelling evidence that a person’s usage of digital payment methods is influenced by her perception of these instruments and her trust in the overall payments framework and banking system in general. Our key findings point towards a significant impact of perception of the payment system on how people choose to pay. The retail payment habits of individuals refer to their preferences and behaviors regarding the payment methods they use when purchasing goods and services in a retail setting. These habits are influenced by a variety of factors, including personal preferences, convenience, availability, and security. In recent years, there has been a shift towards digital payment methods, such as credit and debit cards, mobile payments, and online payments, as consumers increasingly seek out faster and more convenient ways to make purchases. However, cash remains a popular payment option for many individuals, particularly for smaller purchases or in situations where digital payment methods are not accepted. Understanding individual retail payment habits is important for retailers, payment service providers, and policymakers, as it can inform the development of payment technologies and policies that meet the needs and preferences of consumers. In today's world, the retail payment habits of individuals continue to evolve, driven by advances in technology and changing consumer preferences. Digital payment methods, such as mobile payments, contactless cards, and online payments, are becoming increasingly popular due to their convenience, speed, and security features. As a result, many retailers are investing in these payment technologies to meet the growing demand from consumers. However, cash remains a widely used payment option, particularly for small transactions and in certain demographics. Additionally, the COVID-19 pandemic has accelerated the adoption of contactless payments as consumers seek to minimize physical contact and reduce the risk of infection. Understanding the retail payment habits of individuals in today's world is critical for businesses and policymakers to adapt to changing consumer preferences and ensure that payment options are safe, and secure, and meet the needs of a diverse range of customers. |
| Keywords: | “SURVEY OF RETAIL PAYMENT HABIT OF AN INDIVIDUAL” |
| Cite Article: | "“SURVEY OF RETAIL PAYMENT HABIT OF AN INDIVIDUAL”", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.8, Issue 5, page no.b164-b174, May-2023, Available :http://www.ijnrd.org/papers/IJNRD2305125.pdf |
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| ISSN: |
2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID:IJNRD2305125 Registration ID: 194174 Published In: Volume 8 Issue 5, May-2023 DOI (Digital Object Identifier): Page No: b164-b174 Country: -, -, - Research Area: Engineering Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2305125 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2305125 |
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