Volume 1 - Issue 4, November - December 2025

The emergence of digital payment systems in India has significantly transformed the financial landscape, particularly after the implementation of the Digital India and Jan Dhan Yojana initiatives. Digital platforms such as Unified Payments Interface (UPI), Bharat Interface for Money (BHIM), and Aadhaar Enabled Payment Systems (AePS) have opened new avenues for financial inclusion in rural and semi-urban areas. Despite this growth, a large section of the rural population still faces barriers such as limited digital literacy, lack of infrastructure, and trust deficits in online financial transactions. This study examines how digital payment systems contribute to financial inclusion, focusing on accessibility, affordability, and adoption patterns in rural India.
Using both primary and secondary data, the study analyses the extent to which rural users have integrated digital payments into their economic activities. The research investigates socio-economic variables such as income, education, and gender that influence adoption rates. The findings are expected to highlight the role of technology in bridging financial disparities and enabling inclusive growth. The study concludes by recommending policy measures, digital training programs, and infrastructure support to enhance rural participation in digital finance and foster sustainable financial inclusion.