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The research aims to evaluate the effects of digital payment acceptance on small business performance in India.

February 14, 2026Open Access

The Impact Of Digital Payment On Small Business In India

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The research aims to evaluate the effects of digital payment acceptance on small business performance in India.
Conducted a systematic review and structured narrative method.
Analyzed secondary indicators related to digital payment adoption and business performance.
Explored drivers of payment adoption including technology readiness and ecosystem support.
Increased throughput and customer convenience are the most immediate benefits of digital payments.
Benefits are also observed in sales growth, operating performance, and credit access.
Risks such as cyber-fraud and operational reliance on networks can offset the benefits.

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Examines how digital payments influence small business outcomes in India, suggesting key improvements.

Saxena et al. (2026) studied this question.

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