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@article{182633,
        author = {Neeraj S Tadkal},
        title = {Street Vending in the Age of UPI: A Survey on Digital Payment Adoption in Kalaburagi},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {2},
        pages = {2708-2712},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=182633},
        abstract = {The rise of Unified Payments Interface (UPI) has transformed India’s digital economy by enabling financial inclusion across informal sectors. In Kalaburagi, a Tier-2 city in Karnataka, India, street vendors have increasingly adopted digital payment methods due to smartphone access and changing customer preferences. This study surveyed 50 vendors from key areas like Super Market, Kirana Bazar, Vegetable Market, and near Gulbarga University, using a mixed-method approach of questionnaires and short interviews. Findings show that over 80% now use apps like PhonePe, Google Pay, and Paytm, benefiting from faster transactions and increased customer trust. However, issues such as limited digital literacy, poor connectivity, and fear of fraud persist. The paper suggests that regional language training and simplified UPI interfaces could enhance digital inclusion and support the growth of the informal economy in semi-urban India.},
        keywords = {Unified Payments Interface (UPI), JAM trinity (Jan Dhan, Aadhar, and Mobile), QR code (Quick Response code).},
        month = {July},
        }