ISSN2320-2882
Impact Factor9.17
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ESTD2013
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Paper Title
Impact of Digital Payment Systems on Sustainable Financial Inclusion in India
Authors
Dr. AR. Annadurai
Keywords
Digital Payments, Financial Inclusion, Mobile Money, FinTech, Financial Access, Digital Infrastructure, Financial Literacy.
Abstract
The prompt augmentation of digital payment systems has transformed the financial landscape, offering new opportunities to enhance financial inclusion, especially in developing economies. This study examines the transformative impact of digital payment systems on financial inclusion, defined as the accessible and affordable availability of formal financial services to underserved and excluded populations. In an era of rapid technological advancement, digital payments including mobile money, digital wallets, and online banking platforms are widely posited as critical tools for bridging the financial access gap. The findings indicate that digital payment systems significantly contribute to financial inclusion by enabling easier account usage, fostering savings habits, and improving access to credit and government welfare transfers. The research concludes that strengthening digital infrastructure, promoting financial literacy, and ensuring regulatory support are essential for maximizing the inclusive potential of digital payment systems.
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IJCRT — journal style
"Impact of Digital Payment Systems on Sustainable Financial Inclusion in India", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.13, Issue 12, page no.d728-d733, December 2025, Available :https://ijcrt.org/papers/IJCRT2512422.pdf
APA — 7th edition
Annadurai, A. (2025). Impact of Digital Payment Systems on Sustainable Financial Inclusion in India. International Journal of Creative Research Thoughts, 13(12), d728-d733. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422
MLA — 9th edition
Annadurai, AR. "Impact of Digital Payment Systems on Sustainable Financial Inclusion in India." International Journal of Creative Research Thoughts, vol. 13, no. 12, 2025, pp. d728-d733, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422.
Chicago — 17th, bibliography
Annadurai, AR. "Impact of Digital Payment Systems on Sustainable Financial Inclusion in India." International Journal of Creative Research Thoughts 13, no. 12 (2025): d728-d733. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422.
Harvard — author–date
Annadurai, A. (2025) 'Impact of Digital Payment Systems on Sustainable Financial Inclusion in India', International Journal of Creative Research Thoughts, 13(12), pp. d728-d733. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422
IEEE — numbered reference
A. Annadurai, "Impact of Digital Payment Systems on Sustainable Financial Inclusion in India," IJCRT, vol. 13, no. 12, pp. d728-d733, Dec. 2025.
Vancouver — biomedical
Annadurai A. Impact of Digital Payment Systems on Sustainable Financial Inclusion in India. IJCRT. 2025 Dec;13(12):d728-d733.
AMA — 11th edition
Annadurai A. Impact of Digital Payment Systems on Sustainable Financial Inclusion in India. IJCRT. 2025;13(12):d728-d733. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2512422,
author = {AR. Annadurai},
title = {Impact of Digital Payment Systems on Sustainable Financial Inclusion in India},
journal = {International Journal of Creative Research Thoughts},
volume = {13},
number = {12},
pages = {d728-d733},
year = {2025},
month = {December},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Annadurai, AR.
TI - Impact of Digital Payment Systems on Sustainable Financial Inclusion in India
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 13
IS - 12
PY - 2025
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422
SP - d728-d733
ER -
Issue
Volume 13 Issue 12,
December-2025
Pages : d728-d733
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 13, Issue 12, December 2025
- Pages
- d728-d733
- Published
- December 2025
- Registration ID
- IJCRT_298505
- Published Paper ID
- IJCRT2512422
- Research Area
- Commerce All
- Author Type
- Indian Author
- Location
- KARAIKUDI, Tamil Nadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 204
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2512422
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2512422.pdf
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International Journal of Creative Research Thoughts
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2320-2882
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No external funding was received for this study.
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The authors declare that they have no conflict of interest.
Acknowledgements
The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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