E-Commerce, Covid-19, Cashless Transactions, Pandemic


Payments are made or received without the use of hard cash in cashless transactions. Going cashless eases life with authentication and formalized transactions. The convenience of making a financial transaction is likely the most compelling reason to go digital. Cashless transactions include payments made through cheque, DD, online transfer via RTGS or NEFT, credit/debit card, E-wallets, mobile wallets, UPI Apps, Gift cards, etc.  One won’t need to carry a large amount of cash and not wait in big lines for withdrawals, it’s also a safer and more convenient way to spend. In India October 2016 Mastercard launched the cashless initiative and in November 2016 PM Narendra Modi announced a cash-free economy in India. According to Razorpay digital payment transactions in India raised 78% after covid-19. With the growth of 26.5% in the e-commerce market in India, digital payment for e-commerce and retail increased 260% after the second wave of covid-19. The main objective of the study is to find out the relationship between digital payment and e-commerce business with the analysis of efforts toward cashless transactions. This study also focuses on factors responsible for the e-commerce boom in India. With the using convenience sampling method, a structured questionnaire was used to analyze the objective of the study. SPSS-20 was used for factor analysis. The present study resulted in the pandemic situation having expanded the importance of e-commerce shopping trends among the buyers. Electronic shopping had made cashless transactions supportive, monetary, and ideal for customers to purchase from anywhere and anything during the pandemic situation. Web-based shopping or e-shopping customers consider this as it saves time, is more convenient, wide variety of products has easy price comparisons, and has no crowds.


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How to Cite

Tripathi, S., & Dave, N. (2022). CASHLESS TRANSACTIONS THROUGH E-COMMERCE PLATFORMS IN POST-COVID-19. International Journal of Management, Public Policy and Research, 1(2), 12–23.