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@article{179773,
        author = {DR. YASMIN Z. SHAIKH},
        title = {CASH VS DIGITAL PAYMENT: THE CHANGING PERSPECTIVE IN GOA},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {8649-8654},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=179773},
        abstract = {Cash dominates the payment systems in 
India, but due to initiatives of the government, banks 
and consumers growing faith in digital payment 
systems, consumers are shifting towards digital 
payments  
at a fast pace.  
The   
period of 
demonetisation and the pandemic pushed customers to 
shift towards a cashless way of life. The increase in the 
use of internet and Smartphone’s has further 
accounted for growth in   digital payments. Though 
many people still prefer cash transactions, digital 
payments are fast and enable money transfer round 
the clock.  Thus, conventional digital payments are 
coexisting with cash payments. This paper provides an 
overview of the changing perspective of a customer 
from cash to digital modes of payment. The paper also 
highlights the popular digital payment apps adopted 
by customers. These apps are increasingly being 
utilised for day to day transactions, transforming  the 
entire market scenario from a cash based system to a 
digital realm of payment .},
        keywords = {cashless transactions, digital payments,  cash based, demonetisation},
        month = {May},
        }