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VOL. 11, ISSUE 8 (2025)
Small shops, smart payments: How phonepe is changing rural retail in Nandyal District
Authors
Dr. UVS Kumar, K Sampath Kumar
Abstract
In recent times, the expansion of digital
payment solutions has started to transform the retail environment in rural India,
with PhonePe standing out as a significant contributor. This article delves
into how small, frequently family-operated stores in villages and peri-urban
regions are embracing PhonePe to simplify transactions, lessen reliance on
cash, and tap into wider economic prospects. By presenting real-world examples
and data-backed observations, the article underscores the simplicity of
adoption, the utility of QR codes, and the influence of digital payments on
customer satisfaction and business development. It also addresses ongoing
challenges, including limited digital literacy and unstable internet access,
while highlighting how local efforts and awareness campaigns are narrowing
these gaps. In essence, this article illustrates that PhonePe is more than just
a payment method it is a driver of empowerment for small retailers and a step
forward in advancing financial inclusion across rural India.
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Pages:19-24
How to cite this article:
Dr. UVS Kumar, K Sampath Kumar "Small shops, smart payments: How phonepe is changing rural retail in Nandyal District". International Journal of Commerce and Management Research, Vol 11, Issue 8, 2025, Pages 19-24
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