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@article{195184,
        author = {Madhuri P A and Veena Santhosh Rai},
        title = {Digital Payments in Shivamogga with Special Reference to PhonePe},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {7450-7457},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195184},
        abstract = {Digital payment systems in India have witnessed tremendous growth after the introduction of UPI. PhonePe has emerged as one of the leading digital payment platforms in semi-urban regions such as Shivamogga. This paper reviews existing literature related to digital payments with special reference to PhonePe usage in semi-urban areas and suggests suitable solutions for improving adoption among merchants and consumers.},
        keywords = {Digital Payments, UPI, PhonePe, Financial Inclusion, Shivamogga, Mobile Payments},
        month = {March},
        }