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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: | CASHLESS INDIA: CHALLENGES AND BENEFITS |
| Authors Name: | Anjali Dubey , Sripal Srivastava |
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| Author Reg. ID: |
IJNRD_180099
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| Published Paper Id: | IJNRD1806004 |
| Published In: | Volume 3 Issue 6, June-2018 |
| DOI: | |
| Abstract: | Introduction: Before the development of modern banking system, banking operation like posting of transaction from one ledger to another, issue of cash and deposit of cash and other banking activities was manually done which lead to a slowdown in settlement of transactions. Digital, is a powerful word which is contributing a lot to the development in any country, many countries using now a days digital payment, digital marketing, digital innovations etc. India is also not so far from the benefits of digitalization, to understand the power and benefits of digitalization Objective of study: The objective of this paper is to examine the current monetary system of paper currency and coins and electronic payments in cashless economy of India: Challenges and Benefits. This new policy of Indian Government on cashless system of payment has raised a lot concern to the growth of Indian Economy, with the aim of reducing robbery, high cost of processing cash, revenues leakage, inefficient treasury management, fake currency etc. Methodology: Descriptive research design was used to carry out this study. Expected result: The author concluded that cashless system of payment will be examined and develop the e-payment system first, so that people will be used to it before talking of cashless economy. To retain this policy of cashless economy in India, it is suggested that the movement of our payment system towards a cashless society would require some reforms, a lot of efforts and sensitization especially for low income group, unorganized market who are currently deeply rooted in using cash and see it as a convenient and easy way of receiving and making payment. There should be improvement in infrastructural and development so as to enhance e-payment system. The paper recommends a cashless society in wake of the negative and fraudulent practices that are associated with cash, something that can be fixed by adopting a new, smart, innovative and hassle-free model that simplifies the exchange of money without attaching any tangibility to it. Keywords: Cashless Economy, e-payments, descriptive analysis, digitalization, India. |
| Keywords: | Cashless Economy, e-payments, descriptive analysis, digitalization, India. |
| Cite Article: | "CASHLESS INDIA: CHALLENGES AND BENEFITS", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.3, Issue 6, page no.17-22, June-2018, Available :http://www.ijnrd.org/papers/IJNRD1806004.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:IJNRD1806004 Registration ID: 180099 Published In: Volume 3 Issue 6, June-2018 DOI (Digital Object Identifier): Page No: 17-22 Country: Ghaziabad, Uttar Pradesh, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD1806004 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD1806004 |
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ISSN: 2456-4184
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