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@article{186008,
        author = {Deepa Thumma},
        title = {IMPACT OF FINANCIAL LITERACY ON ONLINE TRANSACTIONS OF LOWER INCOME GROUP},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {5},
        pages = {3836-3840},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=186008},
        abstract = {The rise of digital technology has brought financial services to the fingertips of millions. While online transactions offer greater convenience, the benefits are not universally distributed, especially among lower-income groups. This research explores the relationship between financial literacy and online transaction behavior, specifically focusing on how it affects lower-income groups. Drawing from various studies, the article examines how the lack of financial literacy influences the capability of these groups to safely and effectively engage in online transactions. Additionally, the paper explores the role of education, government policies, and financial institutions in enhancing financial literacy among low-income populations.},
        keywords = {Financial Services, online transactions, financial literacy, frauds and scams, digital payments.},
        month = {October},
        }