डिजिटल भुगतान प्रणाली का भारतीय खुदरा व्यापार पर प्रभाव
DOI:
https://doi.org/10.64171/JSRD.3.2.40-47Keywords:
डिजिटल भुगतान प्रणाली, एकीकृत भुगतान इंटरफेस (UPI), भारतीय खुदरा व्यापार, वित्तीय समावेशन, फिनटेक (FinTech) नवाचार, यूनिफाइड पेमेंट्स इंटरफेस, सामाजिक सशक्तिकरण, ई-कॉमर्स और खुदरा बाजार, डिजिटल इंडिया, साइबर सुरक्षा, डेटा गोपनीयताAbstract
भारत में डिजिटल भुगतान प्रणालियों (विशेषकर UPI, IMPS, नेट-बैंकिंग, कार्ड-आधारित भुगतान) का तेजी से प्रसार हुआ है। इस अध्ययन का उद्देश्य यह आकलन करना है कि डिजिटल भुगतान व्यवस्था ने भारतीय खुदरा व्यापार (organized और unorganized दोनों) पर किस प्रकार के आर्थिक, परिचालन तथा व्यवहारिक प्रभाव डाले हैं। अध्ययन के लिए सेकण्डरी डेटा स्रोत (NPCI, RBI, PIB, IBEF, PwC रिपोर्ट, प्रकाशित शोध-पत्र तथा समाचार स्रोत) और समग्र साहित्य-समीक्षा का उपयोग किया गया है। निष्कर्ष बताते हैं कि डिजिटल भुगतान ने लेन-देन लागत घटाने, बिक्री में वृद्धि, प्रतिस्पर्धात्मकता व कन्श्यूमर-विनिमय व्यवहार में बदलाव को बढ़ावा दिया है, परंतु चुनौतियाँ — जैसे डिजिटल विभाजन, साइबर-जोखिम, प्रौद्योगिकी-लाभ के असमान वितरण और छोटे विक्रेताओं पर कमीशन/लागत का प्रभाव — अभी भी विद्यमान हैं। प्रमुख नीतिगत सुझावों में बुनियादी ढांचे का सुदृढ़ीकरण, प्रशिक्षण एवं सब्सिडी/प्रोत्साहन, और सुरक्षा-नियमन के सख्त मानक शामिल हैं।
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