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Digital Payments System in India

Author Name: Dr. A. Martina Franciska,m.phil.,net.,ph.d Anddr. S. Sahayaselvi,m.phil., Net., Ph.d | Format: Paperback | Genre : Educational & Professional | Other Details

The conception of Information and Communication Technology (ICT) has brought a paradigm shift around the corporate and government sectors, concretely in the banking sector. As a result, all the business icons, politicians, bureaucrats, academicians and every citizen of the country want to reform the transaction of banking sector ascribing to one’s own boon on digital products and quick transactions.  At this moment, technologies sow the seeds of digitalization in the banking sector, a decade before in the form of internet banking. Hence the system of banking transaction opened the doors for digital payments. Now, it is the right time for digitalization not only for the banking sector but also to introduce the word digital payments to all the sectors especially agriculture and allied activities. For complete digital transformation, every citizen and various stakeholders has to be acquainted with knowledge of using digital devices for digital payments which is the crucial element for digitalization and to be familiar with the different modes of digital payments. In this book, the author focuses on evolution of digital payments.


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Dr. A. Martina Franciska,m.phil.,net.,ph.d Anddr. S. Sahayaselvi,m.phil., Net., Ph.d

Dr. A. Martina Franciska is working as Assistant Professor in Commerce in SRM Institute of Science and Technology, Ramapuram Campus. She started her career in 2011 and for the past 9 years she has worked in various reputed colleges in Tamil Nadu. She cleared UGC NET in commerce in 2011 and she completed Ph.D in 2022. She has published 8 papers in the reputed journals, which includes journals listed in Scopus and presented 3 papers in the conference which includes a presentation in Desh Bhagat University in Punjab. She was a trainer for competitive exams which includes PGTRB, CMA, UGC NET Commerce. She was a recipient of University Rank and ‘Samuga Sirpi’ award for best teacher given on September 5th 2022.

Dr. S. Sahayaselvi is Principal at Holy Cross College (Autonomous), Nagercoil. She worked as a renowed professor in the Department of Commerce, Holy Cross College (Autonomous), Nagercoil for the past 16 years. She was the Head of the department for the past 10 years in the self-financed stream and served as an assistant professor in the aided stream. She cleared NET exam in 2011. She is a professional counsellor. She was the vice principal of Holy Cross College(A) from 2010-2014. She is the president and director of Holy Cross Innovation and Incubation Centre. She was the founder of CrossCom A to Z Tailoring Unit for Women under Start-up scheme of MHRD.  To her credit she has completed 2 minor projects and published two books. She is the research guide from 2017 onwards. She is a proud recipient of many prestigious awards like Dr.A.P.J.Abdul Kalam Rastriya Puraskar-2019 by Glacier Journal Research foundation, Global Management Council, Ahmedabad. Best Professor Award 2020 by ESN IND-SL International Award, Kandy, Sri Lanka, and Distinguished Women -2020 by Venus International Foundation, Chennai,Research Excellence Award-2021 by Institute of Researchers, Wayanad, Kerala… to name a few.



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