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

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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Publication Details

Journal
European Economic Letters (EEL)
Published
2025-06-18
DOI
https://doi.org/10.52783/eel.v15i2.3304
Primary Topic
Microfinance and Financial Inclusion
Type
article
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article

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

Nauman Khalid
European Economic Letters (EEL)
Microfinance and Financial Inclusion
article

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

Nauman Khalid
article en

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).

European Economic Letters (EEL)Vol. 15(2)
Reduced inequalities
Openalex Percentile: Top 80%
Microfinance and Financial Inclusion
DOIOpen Access PDFOpenAlex
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Post-COVID Digital Payment Adoption and Financial Inclusion in India: Empirical Insights and Policy Implications — Nauman Khalid · European Economic Letters (EEL) (2025) | TGRS Research Map | TGRS