Published Paper Details:

E-retail and digital payment systems have become an important part of the Indian economy. In recent years, more people have started using online platforms to buy products and make payments. This study examines the growth, opportunities, and challenges of e-retail and digital payments in India using secondary data from reports, government publications, and industry sources. The analysis shows that increased internet use, smartphone adoption, and digital payment platforms have supported the expansion of online retail. Systems developed under institutions such as the Reserve Bank of India and the National Payments Corporation of India have also helped strengthen the digital payment ecosystem. The study finds that e-retail is expanding beyond large cities and reaching smaller towns and new customer groups. At the same time, issues such as cybersecurity risks, data privacy concerns, digital literacy gaps, and infrastructure limitations still affect growth. Overall, the results suggest that e-retail and digital payments will continue to develop in India, supported by technology, policy initiatives, and changing consumer behaviour.