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VOL. 12, ISSUE 1 (2026)
Digital transactions and their influence on the local economy in Chhattisgarh: An analysis of trends, impacts, and challenges
Authors
Keshaw Kumar
Abstract
This research paper presents a comprehensive analysis of the
proliferation and socio-economic impact of digital transactions on the local
economy of Chhattisgarh, India. Against the backdrop of national digitization
pushes post-demonetization and the COVID-19 pandemic, the study investigates
the unique adoption patterns and challenges within a state characterized by a
significant rural and tribal population. The introduction establishes
the context, framing digital finance as a potential catalyst for formalization
and inclusion in Chhattisgarh's agrarian and informal economic structure. The
core objectives are to map the growth trends of digital payment modes
from 2019-24, analyze urban-rural and sectoral disparities in adoption,
evaluate impacts on financial inclusion, MSMEs, and agricultural value chains,
and identify key implementation barriers. The methodology relies on
descriptive and analytical research using secondary data from the Reserve Bank
of India (RBI), National Payments Corporation of India (NPCI), and state
government reports, synthesized into comparative data tables. The results
and discussion reveal exponential UPI-led growth alongside a persistent
digital divide, highlighting significant benefits in transparency and market
access alongside constraints posed by infrastructure, literacy, and
cybersecurity. The conclusion affirms that digital transactions are a
transformative yet uneven force, and the paper culminates in targeted policy
recommendations—including infrastructure development, digital literacy
campaigns, and incentive structures—to foster a more inclusive and resilient
digital economy across all regions of Chhattisgarh.
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Pages:236-239
How to cite this article:
Keshaw Kumar "Digital transactions and their influence on the local economy in Chhattisgarh: An analysis of trends, impacts, and challenges". International Journal of Commerce and Management Research, Vol 12, Issue 1, 2026, Pages 236-239
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