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Impact of electronic payment adoption: in the case of small retailers

Author: 
Joshua David, S. and Nivetha, V.
Subject Area: 
Health Sciences
Abstract: 

Sixty years ago, most consumers used cash or checks to buy goods and services, with cash predominately used for smaller purchases and checks for more costly transactions. While cash remains the predominate form of payment in some places in the world, it has become a less common method of transaction as the advent of general purpose payment cards has allowed consumers and businesses to buy and sell with greater convenience. Today, consumers can make electronic payments with credit, debit and prepaid cards and more recently, using all kinds of devices, from watches to mobile phones. The impact of card usage on consumption and economic growth varied considerably across the 70 countries. This reflects differing economic growth rates, penetration, and financial systems. Financial systems conducive to the growth in electronic payments include control over inflation and the money supply, a wide network of stable and readily accessible banks, insurance companies and pension funds, the existence of markets such as stock exchanges, and the availability of such financial infrastructure as ATMs. This paper is aimed at evaluating the present status and growth of online payment systems in small scale retailers and also takes a look at its future. In this paper, a comprehensive survey on all the aspects of electronic payment has been conducted after analysis of several research studies on online payment systems we have identified the consumers and business face disincentives in migrating to electronic payments.

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