Published Paper Details:

The introduction of the internet and mobile banking encouraged people to do digital financial transactions. The innovation of e-wallets further facilitated digital transactions. When the government went for demonetization, it encouraged cashless transactions. The outbreak of COVID 19 compelled the people to stay at home and created the need for digital transactions. The study is done to analyze the demographic profile of people of Kendrapara doing digital transactions, the opinion of people regarding the problems of doing digital transactions, and to examine the impact of the demographic characteristics change in the amount of the digital transaction during COVID in the Kendrapara district of Odisha which has a large rural population. The study is based on a primary source of data. Primary data have been collected from the respondents with the help of a questionnaire. A sample of 131 respondents has been taken from the Kendrapara district of Odisha, including 96 respondents through online mode and 35 respondents from offline mode. Out of 131 respondents, two are not using the internet, and only 83 do digital financial transactions. A multinomial regression model is used to know how the change in the amount of digital financial transactions effected by the results of the demographic factors. For executing the multinomial regression model, SPSS software is used. It was found from the multinomial regression model that age, educational qualification, occupation, and monthly income are the demographic factors that have an impact on the change in the digital transaction amount from the pre covid period to during the covid period.