Cash and Cashless: Dynamics of Indian Payment Systems

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  • Economic and Political Weekly Vol.61; No.8 - 21 Feb. 2026 pp. 17-19
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Summary: While digital payments have surged in recent years, cash transactions continue to be important. Cash and digital payment trends are examined, and the factors that potentially drive payment method choices and the constraints faced by customers are explored. Transactional demand for currency is driven by personal choices, comfort, and trust, and may not stem from either education levels, income categories, technological awareness or age. Similarly, precautionary demand for currency is heightened in times of uncertainty. Keeping the nuances of currency use in mind is necessary before policy actions are taken on the circulation of currency.
Item type: Journal Articles
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Journal Articles ST. THOMAS COLLEGE LIBRARY, PALAI Commerce Back Volumes Section Not for loan
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While digital payments have surged in recent years, cash transactions continue to be important. Cash and digital payment trends are examined, and the factors that potentially drive payment method choices and the constraints faced by customers are explored. Transactional demand for currency is driven by personal choices, comfort, and trust, and may not stem from either education levels, income categories, technological awareness or age. Similarly, precautionary demand for currency is heightened in times of uncertainty. Keeping the nuances of currency use in mind is necessary before policy actions are taken on the circulation of currency.

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