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Mrs O.V.A. M. Sridevi

                The pace of shift towards digital payments has enormously increased in India due to government’s initiatives towards cashless economy. The Information technology revolution, Demonetisation alongside the digital policy opted by government made people to opt different digital payment systems. In spite of increasing cyber crimes day by day there found increasing inclination of people towards digital payments due to its ease, convenience and flexibility. The framework undertaken by the government to encourage digital payments proved fruitful. There are number of electronic payment systems available in India today like Real Time Gross Payment System (RTGS), National Electronic Funds Transfer System (NEFT), Cheque Truncation System (CTS), Immediate Payment System (IMPS), NACH’s Aadhaar Payment Bridge (APB) System, Unified Payments Interface (UPI) and others. The present study focused on analyzing the digital payment systems in India. It also aimed to investigate and interpret the Volume and Value transactions in electronic payment system with respect to RTGS, NEFT and IMPS for a period of 16 months i.e from November 2016 to February 2018.One way ANOVA is conducted in MS-Excel to study the significance of the data concerned. Finally outcomes of the analysis suggest that Volume and Value of transactions in the Electronic payment systems differ significantly during the period of study.

KEYWORDS: Demonetisation, Digital payment systems, IMPS, RTGS, NEFT.

Journal Name :
EPRA International Journal of Economic and Business Review(JEBR)

Published on :

Vol : 6
Issue : 7
Month : July
Year : 2018
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