International Journal on Science and Technology

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Volume 16 Issue 4
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A STUDY ON THE IMPACT OF DIGITAL PAYMENT PLATFORMS ON WOMEN ENTREPRENEURS IN INDIA

Author(s) Dr. JOSPHIN R
Country India
Abstract The rapid expansion of Financial Technology (FinTech) in India has transformed the financial ecosystem, particularly through the widespread adoption of digital payment platforms such as Google Pay, Paytm, and PhonePe. These platforms have played a crucial role in empowering women entrepreneurs by improving financial accessibility, enhancing operational efficiency, and promoting business growth. This study focuses on understanding the extent to which digital payment solutions contribute to women’s economic empowerment in both urban and semi-urban regions of India. Using a mixed-method approach involving structured surveys and interviews, the research analyzes women entrepreneurs’ awareness levels, usage behavior, perceived benefits, and challenges associated with digital payments. The results indicate that digital payment platforms have facilitated smoother transactions, expanded customer bases, and increased profitability. However, challenges such as limited digital literacy, cybersecurity risks, and lack of trust in online transactions continue to affect adoption rates. The study concludes that targeted financial literacy programs and enhanced digital infrastructure can further accelerate women’s empowerment through FinTech innovation in India.
Keywords FinTech, Women Empowerment, Digital Payments, Financial Inclusion, Women Entrepreneurs, India, Economic Growth
Field Business Administration
Published In Volume 16, Issue 4, October-December 2025
Published On 2025-11-22
DOI https://doi.org/10.71097/IJSAT.v16.i4.9583
Short DOI https://doi.org/hbb8fk
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