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INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)
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Authors
Abita
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Keywords
Digital Payments, Internet Banking, India, cyber crime, customers, banks, financial institutions
Abstract
There are so many challenges and issues in Social and Humanities Science . It includes poverty, inequality( economically and gender), regional disparities, unemployment, corruption, religion and caste disputes, militant, climate change, mental health, drugs, smoking, drinking, pollution etc. Recently a big social challenge is arising. That is cyber crime. The major reason behind this is digital payments. Digital payments have made life easy. No need to keep cash . But this time it has become more challenges. In this paper SWOT analysis is discussed. A digital payment, sometimes called an electronic payment, is the transfer of value from one payment account to another using a digital device or channel. This definition may include payments made with bank transfers, mobile money, QR codes, and payment instruments such as credit, debit, and prepaid cards. Internet Banking, also known as Net Banking, allows customers of banks and financial institutions to make financial transactions through various digital payment modes like NEFT, RTGS, and IMPS. For an online payment to happen, both the customer and the merchant must have bank accounts, access to online banking, and a device to make the payment. Additionally, they need to be registered with a payment intermediary, such as a bank or a service provider. For example if you purchase something from your local grocery store and choose to pay via any other payment method (Mobile payment apps, banking cards ,Unstructured Supplementary Service Data(USSD), Aadhaar Enabled Payment System (AEPS), Unified Payments Interface (UPI), Internet Banking ,Mobile Banking etc.) that also is a digital payment.
IJCRT's Publication Details
Unique Identification Number - IJCRT2604015
Paper ID - 304577
Author type - Indian Author
Page Number(s) - a102-a110
Pubished in - Volume 14 | Issue 4 | April 2026
DOI (Digital Object Identifier) -
No Of Downloads - 11
Author Country - India, -, -, -, -, Commerce All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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Abita, "Digital Payment: SWOT Analysis", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.14, Issue 4, pp.a102-a110, April 2026, Available at :http://www.ijcrt.org/papers/IJCRT2604015.pdf
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The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies.
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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