The digitalization of payments has opened up a world of opportunities for growth, especially in the Indian digital payment avenues. The digital India campaign, initiated by the government, has played a crucial role in promoting digital payment services and transforming the country into a digital economy.

However, despite the widespread acceptance of digital payments, there exists a gender disparity in its adoption, particularly among women in certain regions. One such region is Saurashtra, a region in the western part of the Indian state of Gujarat, women are playing a significant role in the adoption of digital payment modes. Saurashtra, known for its rich cultural heritage and traditional values, is experiencing a gradual shift towards digitalization in various aspects of daily life. While men in Saurashtra have been relatively quick to embrace digital payment methods, women in the region have shown a slower uptake. Understanding the factors influencing this trend is crucial in promoting financial inclusion and empowerment among women in Saurashtra region.