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Evaluation of Mobile-Based Digital Payments and Challenges: An Indian Context

Evaluation of Mobile-Based Digital Payments and Challenges: An Indian Context
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Author(s): Jitendra Singh (Dyal Singh Evening College, University of Delhi, India), Anil Kumar (Dept. of Computer Science, Deen Dayal Upadhyaya College, University of Delhi, India) and Kamlesh Kumar Raghuvanshi (Computer Science Department, Ramanujan College, University of Delhi, India)
Copyright: 2021
Volume: 12
Issue: 1
Pages: 15
Source title: International Journal of Digital Literacy and Digital Competence (IJDLDC)
Editor(s)-in-Chief: Eva Podovšovnik (University of Primorska, Slovenia)
DOI: 10.4018/IJDLDC.2021010102


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Owing to the higher usage of internet post and during COVID-19, attacks on IT infrastructure and digital payment have surged. This work undertakes the empirical study on mobile-based payment and determines the impact of post-demonetization, during COVID-19 and post COVID-19. Number of banks supporting digital payment, value in each transaction, monthly values are the factors that have been undertaken for this study. Data revealed higher usage of mobile-based payments. On the other hand, security challenges on payment have been explored by considering the world's leading regulations and standards prevailing on mobile-based payment. Major recommendations of financial regulators and CERT-IN have been included for the deeper understanding of employed security. This work will be immensely helpful to all the stakeholders aiming to understand the mobile payment trends on multi dimensions and strengthening the security in mobile-based payment to avoid any losses that may be incurred due to cyber-attacks.

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