Shodh Sari-An International Multidisciplinary Journal
Vol-04, Issue-01 (Jan-Mar 2025)
An International scholarly/ academic journal, peer-reviewed/ refereed journal, ISSN : 2959-1376
Exploring Emerging Trends of E-Commerce and Digital Payment Systems: An analytical study among Undergraduate and Postgraduate Students in Bilaspur City of Chhattisgarh
Venkatraman, Bhuvana1 and Jain, Harsh2
1Professor & Head, Department of Commerce, Guru Ghasidas Vishwavidyalaya
2Research Scholar, Department of Commerce, Guru Ghasidas Vishwavidyalaya
DOI: https://doi.org/10.59231/SARI7792
Subject: E-Commerce / Finance / Digital Technology
Page No: 271-288
Received: Jul 19 2024
Accepted: Sep 15 2024
Published: Jan 01, 2025
Thematic Classification: E-Commerce Trends, Digital Payment Systems, Student Consumer Behavior, Bilaspur City Study, Fintech Adoption, Analytical Research in E-Commerce.
Abstract
This paper presents the findings of a study delving into the perspectives and trends surrounding E-Commerce and Digital Payment Systems within Bilaspur City of Chhattisgarh. Utilizing primary data collected through offline questionnaires administered to 31 participants, predominantly consisting of undergraduate and postgraduate students, the study tries to illuminate diverse facets of E-Commerce and Digital Payment Systems. Through descriptive analysis, the study unveils emergent trends and identifies potential avenues for enhancing adoption of these systems. Insights gleaned from participant responses in this study, provide a deeper understanding of the evolving landscape of E-Commerce and Digital transactions. Key outcomes of study, sheds light on prevalent trends and challenges encountered by consumers, thereby furnishing actionable recommendations for policymakers and stakeholders to bolster Digital payment adoption. In essence, this study furnishes valuable insights into the contemporary state of E-Commerce and Digital Payments in the specified locale, laying a robust foundation for subsequent research and initiatives aimed at fostering Digital financial inclusion and catalyzing economic advancement.
Keywords: Digital Payment Systems, E-Commerce, Grievance Redressal Mechanism, Cyber Security.
Impact Statement
The study explores the usage patterns and perceptions of undergraduate and postgraduate students in Bilaspur city regarding e-commerce and digital payment systems. The objective is to understand users’ concerns, challenges, and suggestions through their opinions. Based on the findings, the research provides actionable recommendations aimed at improving these systems for enhanced user satisfaction and efficiency.
About The Author
Prof. Bhuvana Venkatraman is a distinguished faculty member in the Department of Commerce at Guru Ghasidas Vishwavidyalaya, Bilaspur, Chhattisgarh. She has authored several books and possesses extensive expertise in the fields of marketing and finance.
Harsh Jain is a Junior Research Fellow and Ph.D. scholar in the Department of Commerce at Guru Ghasidas Vishwavidyalaya, Bilaspur. He has published numerous research papers in reputed national and international journals, with specialization in digital payment systems, e-commerce, and behavioral finance.
Cite this Article
APA 7th Style: Venkatraman, B., & Jain, H. (2025). Exploring emerging trends of e-commerce and digital payment systems: An analytical study among undergraduate and postgraduate students in Bilaspur City of Chhattisgarh. Shodh Sari-An International Multidisciplinary Journal, 4(01), 271–288. https://doi.org/10.59231/SARI7792
Chicago 17th Style: Venkatraman, Bhuvana, and Harsh Jain. “Exploring Emerging Trends of E-Commerce and Digital Payment Systems: An Analytical Study among Undergraduate and Postgraduate Students in Bilaspur City of Chhattisgarh.” Shodh Sari-An International Multidisciplinary Journal 4, no. 1 (2025): 271–288. https://doi.org/10.59231/SARI7792.
MLA 9th Style: Venkatraman, Bhuvana, and Jain, Harsh. “Exploring Emerging Trends of E-Commerce and Digital Payment Systems: An Analytical Study among Undergraduate and Postgraduate Students in Bilaspur City of Chhattisgarh.” Shodh Sari-An International Multidisciplinary Journal, vol. 4, no. 1, 2025, pp. 271-288, https://doi.org/10.59231/SARI7792.
Statements & Declarations
Review Method: This article underwent a double-blind peer-review process by two independent external experts in E-commerce and Financial Technology to ensure the statistical validity of the survey data and the relevance of the consumer behavior analysis.
Competing Interests: The authors Bhuvana Venkatraman and Harsh Jain declare that there are no financial, personal, or professional conflicts of interest that could have inappropriately influenced the research findings or the interpretation of data regarding digital payment platforms.
Funding: This research was conducted as part of the authors’ academic and research activities at Guru Ghasidas Vishwavidyalaya. No specific external grants or commercial funding from payment service providers were received for this work.
Data Availability: The analysis is based on primary data collected through structured questionnaires distributed among students in Bilaspur. Statistical summaries, including frequency of use and preference for specific UPI or wallet platforms, are included in the manuscript. Raw data is available from the corresponding author upon reasonable request.
License: Exploring Emerging Trends of E-Commerce and Digital Payment Systems © 2025 by Bhuvana Venkatraman and Harsh Jain is licensed under CC BY-NC-ND 4.0. This work is published by the International Council for Education Research and Training (ICERT).
Ethics Approval: The study was conducted in accordance with ethical standards for social science research. Informed consent was obtained from all participating students. Data was anonymized to protect respondent identity. The protocol was reviewed by the Departmental Research Committee of Guru Ghasidas Vishwavidyalaya.
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