Impact of Digital Payment on Vegetable Vendors of Talegaon-Dabhade
Publication Date : 10-03-2026
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Abstract :
The expansion of digital payment systems in India has reshaped small-scale retail transactions, including those in the informal sector. This study investigates the impact of digital payment adoption on vegetable vendors operating in Talegaon-Dabhade, Maharashtra. The research evaluates the extent of adoption, its influence on sales performance, shifts in customer preferences, operational advantages, and the constraints experienced by vendors. Using a mixed-method approach, data were collected from 80 vegetable vendors through structured questionnaires and personal interviews. The findings reveal moderate adoption of digital payment methods, with observable improvements in customer convenience and sales volume among adopters. However, infrastructural barriers, digital literacy gaps, and trust-related concerns continue to limit universal acceptance. The study concludes that while digital payments offer measurable economic benefits, a hybrid transaction model remains most practical in semi-urban informal markets.
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