A Study On Awareness And Usage Of Cashless Transactions Among Rural And Urban Consumers In Kanyakumari District

Authors

  • Balaji R. V
  • G. Jerin Rose

Keywords:

N\A

Abstract

The rapid growth of digital financial services has transformed the payment landscape in India, encouraging consumers to adopt cashless transaction methods such as UPI, debit/credit cards, and mobile wallets. This study examines the level of awareness and usage of cashless transactions among rural and urban consumers in Kanyakumari District. The research aims to identify key factors influencing adoption and to compare rural and urban usage patterns. Primary data were collected from 169 respondents using a structured questionnaire. Statistical tools such as reliability analysis (Cronbach’s Alpha), KMO and Bartlett’s Test, and Exploratory Factor Analysis were performed using SPSS. The findings indicate satisfactory reliability of the measurement scale and reveal three major factors influencing cashless usage: digital awareness, convenience, and security perception. The study highlights significant differences in awareness and usage levels between rural and urban consumers and provides practical suggestions for improving digital financial inclusion...

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References

[1] Mallika, V., & Kandasami, D. A STUDY ON CONSUMER AWARNESS ABOUT CASHLESS TRANSACTION OF DIGITAL ECONOMY IN ERODE DISTRICT OF TAMIL NADU. LEAPFROG GROWTH OF, 38.

[2] Bala, M. I. (2025). Digital Commerce and Sustainable Development. AIJFR-Advanced International Journal for Research, 6(4).

[3] MOORTHY, N., & PONMURUGAN, D. A STUDY ON FINANCIAL INCLUSION AMONG RURAL WOMEN IN KANYAKUMARI DISTRICT. International Journal of Research and Analytical, 102.

[4] Poongodi, R., & Kanniammal, K. (2025). Assessing Digital Financial Service Awareness, Usage and Impact on Tribal socio-economic Condition. South India Journal of Social Sciences, 23(5), 54-57.

[5] Mallesha, C. A CASE STUDY ON PERCEPTION TOWARDS ONLINE PAYMENT SYSTEMS AMONG URBAN AND RURAL CUSTOMERS...

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Published

2025-12-12

How to Cite

1.
R. V B, Rose GJ. A Study On Awareness And Usage Of Cashless Transactions Among Rural And Urban Consumers In Kanyakumari District. J Neonatal Surg [Internet]. 2025 Dec. 12 [cited 2026 Sep. 12];14(33S):1364-8. Available from: https://jneonatalsurg.com/index.php/jns/article/view/10492

Issue

Vol. 14 No. 33S (2025): Journal of Neonatal Surgery

Section

Original Article

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