Usage Pattern of 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. The findings revealed that from the teaching staff Unified Payment Interface (UPI) followed by mobile banking and banking cards, respectively were top three most used online payment methods. From the non-teaching staff mobile banking followed by internet banking and banking cards respectively were the top three most used methods for digital transactions. Both from the teaching and non-teaching staff google pay, phonepe and paytm were the top three widely used mobile apps for online transactions. It was found that the highest percentage of teaching staff with 45.00 per cent used digital transactions weekly, while in the non-teaching staff 43.75 per cent was the highest percentage who also used digital transactions weekly.