{"id":10664,"date":"2025-01-12T07:01:06","date_gmt":"2025-01-12T07:01:06","guid":{"rendered":"https:\/\/icertpublication.com\/?page_id=10664"},"modified":"2026-04-03T09:22:50","modified_gmt":"2026-04-03T03:52:50","slug":"exploring-emerging-trends-of-e-commerce-and-digital-payment-systems-an-analytical-study-among-undergraduate-and-postgraduate-students-in-bilaspur-city-of-chhattisgarh","status":"publish","type":"page","link":"https:\/\/icert.org.in\/index.php\/shodh-sari-2\/sodh-sari-vol-4-issue-1\/exploring-emerging-trends-of-e-commerce-and-digital-payment-systems-an-analytical-study-among-undergraduate-and-postgraduate-students-in-bilaspur-city-of-chhattisgarh\/","title":{"rendered":"Exploring Emerging Trends of E-Commerce and Digital Payment Systems: An analytical study among Undergraduate and Postgraduate Students in Bilaspur City of Chhattisgarh"},"content":{"rendered":"\t\t
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Shodh Sari-An International Multidisciplinary Journal<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Vol-04, Issue-01 (Jan-Mar 2025)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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An International scholarly\/ academic journal, peer-reviewed\/ refereed journal, ISSN : 2959-1376<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Exploring Emerging Trends of E-Commerce and Digital Payment Systems: An analytical study among Undergraduate and Postgraduate Students in Bilaspur City of Chhattisgarh\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Venkatraman, Bhuvana<\/span>1 <\/span><\/span>and Jain, Harsh<\/span>2<\/span><\/span><\/p>

1<\/span><\/span>Professor & Head, Department of Commerce, Guru Ghasidas Vishwavidyalaya<\/span><\/p>

2<\/span><\/span>Research Scholar, Department of Commerce, Guru Ghasidas Vishwavidyalaya<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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DOI: <\/span>https:\/\/doi.org\/10.59231\/SARI7792<\/span><\/a><\/p>

Subject: E-Commerce \/ Finance \/ Digital Technology<\/span><\/p>

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Received: Jul 19 2024<\/span><\/p>

Accepted: Sep 15 2024<\/span><\/p>

Published: Jan 01, 2025<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Thematic Classification: E-Commerce Trends, Digital Payment Systems, Student Consumer Behavior, Bilaspur City Study, Fintech Adoption, Analytical Research in E-Commerce.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Abstract<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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.<\/span><\/p>

Keywords<\/span>:<\/span> Digital Payment Systems, E-Commerce, Grievance Redressal Mechanism, Cyber Security.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Impact Statement<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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About The Author<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Prof. Bhuvana Venkatraman<\/span> 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.<\/span><\/p>

Harsh Jain<\/span> 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.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Cite this Article\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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APA 7th Style:<\/span> 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. <\/span>Shodh Sari-An International Multidisciplinary Journal<\/span>, <\/span>4<\/span>(01), 271\u2013288. <\/span>https:\/\/doi.org\/10.59231\/SARI7792<\/span><\/a><\/p>

Chicago 17th Style:<\/span> 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.” <\/span>Shodh Sari-An International Multidisciplinary Journal<\/span> 4, no. 1 (2025): 271\u2013288. <\/span>https:\/\/doi.org\/10.59231\/SARI7792<\/span><\/a>.<\/span><\/p>

MLA 9th Style:<\/span> 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.” <\/span>Shodh Sari-An International Multidisciplinary Journal<\/span>, vol. 4, no. 1, 2025, pp. 271-288, <\/span>https:\/\/doi.org\/10.59231\/SARI7792<\/span><\/a>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Statements & Declarations\n\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Review Method:<\/span> 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.<\/span><\/p>

Competing Interests:<\/span> 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.<\/span><\/p>

Funding:<\/span> 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.<\/span><\/p>

Data Availability:<\/span> 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.<\/span><\/p>

License:<\/span> Exploring Emerging Trends of E-Commerce and Digital Payment Systems<\/span> \u00a9 2025 by Bhuvana Venkatraman and Harsh Jain is licensed under <\/span>CC BY-NC-ND 4.0<\/span>. This work is published by the International Council for Education Research and Training (ICERT).<\/span><\/p>

Ethics Approval:<\/span> 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.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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  9. Pawar, D. A., Nath, D. P., & Pawar, D. (2023). A study ON customers perception about significance of digital security. <\/span>The online journal of distance education and e-learning<\/span>, 81\u201390.<\/span><\/p><\/li>

  10. Sathyapriya, M., & Manochithra, P. (2020). A STUDY ON Impact OF e-commerce ON India\u2019s Commerce. <\/span>International Journal of Analytical and Experimental Modal Analysis<\/span>, 2373\u20132378.<\/span><\/p><\/li>

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  14. Tripathi, S., & Dixit, P. (2020). <\/span>A study on adoption of digital payment through mobile payment application with reference to Gujarat State<\/span>. <\/span>International Journal of Trend in Scientific Research and Development (IJTSRD)<\/span>, 1110\u20131115.<\/span><\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":10106,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-10664","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/pages\/10664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/comments?post=10664"}],"version-history":[{"count":9,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/pages\/10664\/revisions"}],"predecessor-version":[{"id":31734,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/pages\/10664\/revisions\/31734"}],"up":[{"embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/pages\/10106"}],"wp:attachment":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/media?parent=10664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}