Impact of COVID-19 on Digital Payment Adoption: A Case Study of Consumers and Retailers in U.P.

Abstract

This study examines the influence of the COVID-19 pandemic on the adoption and use of digital payment systems among consumers and retailers in Uttar Pradesh (U.P.), India. Using a mixed-methods approach, we surveyed 300 consumers and interviewed 50 small and medium-sized retailers across urban and semi-urban areas. The results show a significant acceleration in the adoption of digital payments during the pandemic, primarily driven by hygiene concerns, lockdown restrictions