International Journal on Science and Technology

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Impact of Digital Payment Infrastructure on Direct Benefit Transfer (DBT) Efficiency and Financial Inclusion: A Study of Gundlupet Taluk

Author(s) Ms. Manjula N
Country India
Abstract Abstract:
The expansion of digital payment infrastructure has significantly transformed the delivery of welfare schemes through Direct Benefit Transfer (DBT), particularly in semi-urban and rural regions such as Gundlupet Taluk of Karnataka. This study examines how digital payment systems—including Aadhaar-enabled payment systems (AEPS), mobile banking, Unified Payments Interface (UPI), and direct bank transfers—have influenced the efficiency, transparency, and accessibility of DBT schemes, while promoting financial inclusion among marginalized and low-income populations. The study highlights that digital payment infrastructure has enhanced the speed and accuracy of fund transfers, minimized leakages, reduced dependency on intermediaries, and improved accountability in public service delivery. Additionally, it has facilitated greater participation of rural households in formal financial systems by encouraging bank account usage and digital transactions. However, the study also identifies persistent challenges such as inadequate digital literacy, limited internet connectivity, technical glitches, and lack of awareness among beneficiaries, which hinder the optimal utilization of digital platforms. The findings emphasize the need for strengthening digital infrastructure, promoting financial literacy, and ensuring inclusive access to technology. Overall, the integration of digital payment systems with DBT initiatives plays a crucial role in advancing financial inclusion and improving governance efficiency in rural areas like Gundlupet Taluk.
Keywords FinTech-enabled Digital Payments, Direct Benefit Transfer (DBT), Financial Inclusion,
Field Sociology > Banking / Finance
Published In Volume 17, Issue 2, April-June 2026
Published On 2026-04-03
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