KNOWLEDGE REGARDING DIGITAL TRANSACTIONS AMONG WORKING WOMEN

Abstract

A digital transaction refers to the exchange of value or payment between two parties using electronic means, such as through the internet or other digital channels. Both the payer and the payee use digital methods to send and receive money, while making digital payments. The study was conducted in Hisar district during the year 2022-23 with a sample size of 160 working women (80 each from teaching and non-teaching) selected randomly from four colleges of the university. A set of 6 independent variables and 1 dependent variable was selected for the study.The collected data was analysed with suitable statistical tools and techniques such as frequency, percentage, chi-square test and correlation to reveal major findings. The findings revealed that the majority of respondents from the teaching staff were in the age group of 35-45 years were married and lived in urban areas, whereas the majority of respondents from the non-teaching staff were in the age group of 25-35 years married and majority of them residing in urban areas. Almost cent percent majority from the teaching staff had exposure to digital transactions and the majority of them were using digital transactions for more than 3 years with 40 percent having internet as source of information. From the non-teaching staff, the majority of respondents had exposure to digital transactions with 28.75 percent using it for 1-2 years having localite source of information. The knowledge level was assessed using 20 statements and found that majority of the teaching staff reported having a medium degree of understanding of digital transactions, compared to a low level of knowledge among the non-teaching staff. A negative correlation was found between the age and knowledge of the respondents in both teaching and non-teaching staff.