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The Impact of Digital Literacy on the Adoption of Online Payments Among Students in Tura, Meghalaya
Subject area: Management and Commerce · Area of research: Digital Payment System
Abstract
This study investigates the impact of digital literacy on students' use of online payment methods in Tura, Meghalaya, a region that is continuously experiencing technological and economic transformation. In the era of digital payment platforms like UPI, Google Pay, PhonePe, and mobile banking, it is crucial to comprehend the digital literacy of young consumers in order to advance financial inclusion. The study aims to investigate the relationship between digital abilities and awareness, accessibility, and confidence in using these platforms. A structured questionnaire covering digital literacy, internet accessibility, the frequency of online transactions, perceived usability, and confidence in digital payment systems was distributed to students from Tura's schools, colleges, and universities. Statistical methods which include Skewness and Kurtosis were used to understand and evaluate the digital literacy and use of online payments. It showed the positive impacts of a strong foundation for digital adoption among students. Overall, the findings suggest that increasing digital literacy is a key driver of the rise in the use of online payments in semi-urban areas.
Keywords
Digital Literacy, Online Payments, Awareness, Financial Inclusion
How to cite this paper
@article{1709416,
author = {Arkanza Salrikrak A Sangma},
title = {The Impact of Digital Literacy on the Adoption of Online Payments Among Students in Tura, Meghalaya},
journal = {Iconic Research And Engineering Journals},
year = {2025},
volume = {8},
number = {12},
pages = {1490-1495},
issn = {2456-8880},
url = {https://www.irejournals.com/formatedpaper/1709416.pdf},
abstract = {This study investigates the impact of digital literacy on students' use of online payment methods in Tura, Meghalaya, a region that is continuously experiencing technological and economic transformation. In the era of digital payment platforms like UPI, Google Pay, PhonePe, and mobile banking, it is crucial to comprehend the digital literacy of young consumers in order to advance financial inclusion. The study aims to investigate the relationship between digital abilities and awareness, accessibility, and confidence in using these platforms. A structured questionnaire covering digital literacy, internet accessibility, the frequency of online transactions, perceived usability, and confidence in digital payment systems was distributed to students from Tura's schools, colleges, and universities. Statistical methods which include Skewness and Kurtosis were used to understand and evaluate the digital literacy and use of online payments. It showed the positive impacts of a strong foundation for digital adoption among students. Overall, the findings suggest that increasing digital literacy is a key driver of the rise in the use of online payments in semi-urban areas.},
keywords = {Digital Literacy, Online Payments, Awareness, Financial Inclusion},
month = {June},
}