Post-COVID Digital Payment Adoption and Financial Inclusion in India: Empirical Insights and Policy Implications

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Syeda Rukhsana Khalid, Nikhath Sultana

Abstract

Purpose:
This study investigates the impact of digital payment adoption—accelerated by the COVID-19 pandemic—on financial inclusion in India. It analyses multi-platform trends across UPI, AEPS, mobile wallets, and FASTag; identifies regional and demographic disparities; and assesses the relationship between digital transaction growth and the Reserve Bank of India’s Financial Inclusion Index (FII).

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How to Cite
Syeda Rukhsana Khalid, Nikhath Sultana. (2025). Post-COVID Digital Payment Adoption and Financial Inclusion in India: Empirical Insights and Policy Implications. European Economic Letters (EEL), 15(2), 4506–4524. https://doi.org/10.52783/eel.v15i2.3304
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