Authors: Priya Ujjwala Khesh, Shreya Shri, Puja Minz, Pushpa Kumari, Anjali Nirjala Tirkey, Dr. Sumita Roy, Dr. Ajay Kumar
Abstract: This study examines the adoption of digital payment systems among tribal entrepreneurs in Ranchi district. Digital payments, such as UPI, mobile banking, and digital wallets, help make business transactions faster, safer, and more convenient. The study aims to understand the level of awareness and usage of digital payments among tribal entrepreneurs and identify the factors influencing their adoption. Challenges such as limited digital skills, poor internet connectivity, lack of awareness, and concerns about online fraud were also examined. Data were collected from 68 respondents through questionnaires and supported by information from books, journals, and previous studies. Statistical tools like regression, ANOVA, and coefficient analysis were used through SPSS software. The findings indicate that factors such as gender, education, income, and occupation influence the use of digital payment systems. The study concludes that digital payments are gradually gaining acceptance among tribal entrepreneurs and support business development. However, better training, awareness programs, improved internet access, and government support are needed to increase their adoption in tribal areas.
