Relevant bibliographies by topics / DIGITAL RUPEE (e₹)

Academic literature on the topic 'DIGITAL RUPEE (e₹)'

Author: Grafiati
Published: 7 November 2023

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Journal articles on the topic "DIGITAL RUPEE (e₹)"

1

Vyas, Kanchan. "The Future of Payments in India: An Analysis of Digital Rupee and UPI." REST Journal on Banking, Accounting and Business 2, no. 1 (February 1, 2023): 20–23. http://dx.doi.org/10.46632/jbab/2/1/5.

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The Reserve Bank of India’s digital rupee (e₹) and the Unified Payments Interface (UPI) are transforming the future of payments in India. In our research study, researcher adopted a qualitative method to understand existing literature on the topic. Official and non-official websites were analyzed for information. The study relied on secondary data only, as there was limited prior research in this area. This study analyzes the impact and potential of the digital rupee and UPI in the Indian financial landscape. The digital rupee, launched on December 1, 2022, offers many advantages over traditional paper currency, including security, accessibility, and government backing. The study also highlights potential drawbacks such as disruption to the banking system and security concerns. On the other hand, UPI is a platform for facilitating banking transactions, different from the digital rupee. The integration of the digital rupee with existing payment systems such as UPI and IMPS is expected to increase financial inclusion and reduce transaction costs. The study answers key research questions and concludes that the digital rupee and UPI have the potential to play a significant role in the future of payments in India.
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Dash, Bibhu, Meraj F. Ansari, Pawankumar Sharma, and Swati Swayam siddha. "Future Ready Banking with Smart Contracts - CBDC and Impact on the Indian Economy." International Journal of Network Security & Its Applications 14, no. 5 (September 30, 2022): 39–49. http://dx.doi.org/10.5121/ijnsa.2022.14504.

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India is significantly diverse in culture and how it promotes business transactions. Though we are very acquainted with cash, cards, and online mode of payment, the Indian rural economy still believes in the barter system. At this juncture, India is evolving as a tech power house, and its economy is thriving to embrace cryptocurrency as a medium of exchange. After the Indian finance minister declared the same last February that India is working towards building its legal tender called Central Bank-backed Digital Currency (CBDC), this paper is making an impact in explaining our strengths, weakness, market readiness, and necessity to adopt a digital rupee when India's economy is highly regarded as a cashoriented economy. Is our country ready to accept the new technological shift in smart banking in the form of a digital rupee? The paper highlights the socioeconomic and technical challenges our planners need to understand before changing the Central banks' monetary policies. The deployment of fifth-generation (5G) cellular network technology has sparked renewed interest in the potential of blockchain to automate different cellular network use cases. 5G is projected to open up new market prospects for small and large businesses. The article highlights the unique instrument of the digital rupee to enhance peer-to-peer transactions with the evolution of 5G mobile technology.
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Char, Sudhanva. "2016 Rupee Demonetization (Dn): It’s a Success!" International Review of Business and Economics 2, no. 2 (2018): 147–86. http://dx.doi.org/10.56902/irbe.2018.2.2.7.

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The November 2016 Dn of the rupee is a phenomenal event in India’s monetary history with spillovers into every nook and corner of Indian economy, and yet it has hardly received the attention it warrants from economists and other professionals. To better understand the socioeconomic consequences this paper compiles and evaluates the positives and negatives of Dn in spite of challenges in quantifying them. There was uproar at the outset because of the market turmoil notebandi caused, but some twenty months later Indian economy is doing well on the Dn stress test. This is evident in a) the broadening of the tax base, b) the relatively higher degree of compliance with filing income tax returns and reduction in black money, c) the new business regulations related to Goods and Services Tax (GST) leaving little scope for corrupt ways, d) increasingly higher rates of growth in GDP and notably, e) the swift transformational change in economic behavior triggering better tax compliance as well as the exodus to digital payment modalities, and the concurrent reduction in habitual need for cash. The five structural changes above normally have a long gestation. However, the successful ongoing makeover in India in so short a time by itself calls for an intensive study tempting one to suspect if nation-state pride is one of the drivers of reform.
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P Aparanji, Dr Pavan. "ROLE OF DIGITAL CURRENCY AND BLOCK CHAIN TECHNOLOGY ON INDIAN ECONOMY WITH SPECIAL REFERENCE TO RBI AND GOVERNMENT RECENT REFORMS IN DIGITAL RUPEE." International Journal of Engineering Applied Sciences and Technology 7, no. 10 (February 1, 2023): 151–54. http://dx.doi.org/10.33564/ijeast.2023.v07i10.021.

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India has many in need of help. It has approximately 1.4 billion people, making it the second most populous country in the world. This makes it the world's second-largest country with a relatively lowdensity density population. Unfortunately, it is second only to China in income disparity, where over 43 percent of the population makes below the national poverty line. The Center for Internet & Society at Stanford University notes that India's child sex ratio (1,006 females per 1,000 males) is the worst in the world; and, in 2008, the nation had a literacy rate of only 74 percent, which is also the lowest in the world. It also says that half the Indians are expected to live below the poverty line by 2020.
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Nedumaran, Swamikannu, Aravazhi Selvaraj, Ravi Nandi, Bhattacharjee Suchiradipta, Padmanabhan Jyosthnaa, and Disha Bose. "Digital integration to enhance market efficiency and inclusion of smallholder farmers: a proposed model for fresh fruit and vegetable supply chain." International Food and Agribusiness Management Review 23, no. 3 (September 30, 2020): 319–37. http://dx.doi.org/10.22434/ifamr2019.0165.

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High-value agriculture in India is witnessing a transformation, specifically in fresh fruits and vegetables (FFV). Supply chain stakeholders, mainly small and marginal farmers, receive a very minimal share in consumer rupee due to market uncertainty, high post-harvest losses, information asymmetry, lack of processing facilities and the erratic demand-supply situation. The current study draws from an extensive review to propose a competitive, inclusive, sustainable and scalable supply chain model of primary processing centers connecting farmers directly and efficiently with consumers. The proposed model will connect producers with the rest of the supply chain and streamline the supply chain process to reduce post-harvest losses as much as possible. The integration of a market information system will ensure transparency to help in better decision-making, reduced intermediaries and information asymmetry for producers, as well as the systematic disposal of the produce. The model will increase the efficiency of the FFV supply chain and has practical implications for agribusiness management and policymakers in relation to FFV supply chain development in India.
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Patil, Manasi, Athar Qureshi, Elina Naydenova, Anand Bang, Jay Halbert, Maarten De Vos, Poornima Nair, Madhumita Patil, and Melissa M. Medvedev. "Assessing a digital technology-supported community child health programme in India using the Social Return on Investment framework." PLOS Digital Health 2, no. 11 (November 1, 2023): e0000363. http://dx.doi.org/10.1371/journal.pdig.0000363.

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An estimated 5.0 million children aged under 5 years died in 2020, with 82% of these deaths occurring in sub-Saharan Africa and southern Asia. Over one-third of Mumbai’s population has limited access to healthcare, and child health outcomes are particularly grave among the urban poor. We describe the implementation of a digital technology-based child health programme in Mumbai and evaluate its holistic impact. Using an artificial intelligence (AI)-powered mobile health platform, we developed a programme for community-based management of child health. Leveraging an existing workforce, community health workers (CHW), the programme was designed to strengthen triage and referral, improve access to healthcare in the community, and reduce dependence on hospitals. A Social Return on Investment (SROI) framework is used to evaluate holistic impact. The programme increased the proportion of illness episodes treated in the community from 4% to 76%, subsequently reducing hospitalisations and out-of-pocket expenditure on private healthcare providers. For the total investment of Indian Rupee (INR) 2,632,271, the social return was INR 34,435,827, delivering an SROI ratio of 13. The annual cost of the programme per child was INR 625. Upskilling an existing workforce such as CHWs, with the help of AI-driven decision- support tools, has the potential to extend capacity for critical health services into community settings. This study provides a blueprint for evaluating the holistic impact of health technologies using evidence-based tools like SROI. These findings have applicability across income settings, offering clear rationale for the promotion of technology-supported interventions that strengthen healthcare delivery.
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Anisiuba, Chika Anastesia, Obiamaka P. Egbo, Felix C. Alio, Chuka Ifediora, Ebele C. Igwemeka, C. O. Odidi, and Hillary Chijindu Ezeaku. "Analysis of Cryptocurrency Dynamics in the Emerging Market Economies: Does Reinforcement or Substitution Effect Prevail?" SAGE Open 11, no. 1 (January 2021): 215824402110025. http://dx.doi.org/10.1177/21582440211002516.

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We analyzed cryptocurrency dynamics in the global U.S. dollar–denominated market and the emerging market economies (EMEs) with a view to ascertaining whether activities in these markets are predominantly shaped by reinforcement or substitution effect. Cryptocurrencies analyzed include the Bitcoins, Ethereum, Litecoin, Steller, Bitcoin Cash, and USD Tether. The results suggest that, on average, correlation between digital assets in the cryptocurrencies’ ecosystem is positive. However, there is evidence of an outlier with respect to the USD Tether (USDT) in the global market, revealing that the USDT is negatively associated with all other cryptocurrencies. This is supported by the dynamic regression results that provided evidence of reinforcement effect in favor of the USDT in the global crypto market, thus confirming the status of the USDT as “Stablecoin” as it is pegged 1:1 to USD. In the global market context, the results also revealed that USDT/USD returns had identical outliers that could portend lesser chances of extreme gains or losses compared with suggestions of extreme gains or losses in the EMEs. Furthermore, USDT did not seem to have similar evolution in the EMEs where it had relatively marginal influence in the markets. The vector error correction (VEC) estimate showed mixed results between Altcoins in all the markets; moreover, our finding showed that reinforcement effects hold in favor of Steller (XLM) both in the Russian ruble and Indian rupee crypto markets, whereas the Chinese yuan crypto market was predominantly characterized by substitution effect in favor of Bitcoin.
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Ghani, Muskan, Promita Mukherjee, and Biswajit Ray. "Identifying the Major Demographic Factors Determining Unified Payments Interface Usage: A Study Based on West Bengal." Asian Journal of Managerial Science 12, no. 1 (March 21, 2023): 1–5. http://dx.doi.org/10.51983/ajms-2023.12.1.3364.

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Around 44 billion digital transactions were recorded across India during the financial year 2021. Ever since the COVID-19 pandemic hit India, a significant growth in the number of digital payments has also occurred. The value of transaction is estimated to rise up to 385 trillion Indian rupees by the financial year 2026 (Statista, 2022). Given this importance of Unified Payments Interface (UPI) usage, we surveyed 205 respondents from rural and urban West Bengal to explore the determinants of UPI usage and the impact of COVID-19 pandemic on UPI use, if any. We used logistic regression and independent sample t-test and found that males and younger individuals use UPI more than females and aged persons, while we do not see any difference in usage across income brackets and between rural and urban areas. The implication is that to make India digital, those who use UPI less, such as females and the aged, should be encouraged to participate more in UPI usage.
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B, Pavithra, and Sharma G. V. M. "Role of MUDRA Yojana in financing women entrepreneurs in India." BOHR International Journal of Social Science and Humanities Research 2, no. 1 (2023): 97–103. http://dx.doi.org/10.54646/bijsshr.2023.31.

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After agriculture, microenterprises are a major economic segment that provides large employment opportunities. According to the 2021–2021 annual report for MSMEs [micro, small, and medium enterprises], there were 630.52 lakhs of microenterprises, 1076.19 lakhs of people gained employment opportunities, and 30.27% to India’s GDP came from these microenterprises. Microfinance is the tool to reduce poverty and income inequality and to provide financial services for self-employment opportunities to underprivileged citizens in both rural and urban areas. To promote gender equality and entrepreneurial spirit, it is necessary to finance women’s empowerment. PMMY [Pradhan Mantri MUDRA Yojana] and MUDRA [Micro Units Development and Refinance Agency Ltd.] by the Government of India aims at providing financial support to the NCSBS [Non-Corporate Small Business Sector]. Usually these sectors operate as unregistered enterprises and are not covered under taxation, and they face a lack of financial support from banks and other financial institutions. MSE borrower accounts stood at 5.37 crore rupees, with a financial support of 32.14 crore rupees as of 2021– 2022. MUDRA provides refinance to microenterprises through various financial institutions like private sector banks, public sector banks, co-operatives, and MFIs [Micro Finance Institutions]. This article aims to understand the background of MUDRA Yojana, the activities covered, the schemes under MUDRA Yojana, and the overall performance of MUDRA Yojana in financing women entrepreneurs in India. MUDRA has come up with various digital supports that enable the entrepreneurs to access various financial needs.
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Tirpude, Raman. "Study of Impact of Digital marketing on Consumer Buying Behaviour for Electronic Goods." International Journal for Research in Applied Science and Engineering Technology 10, no. 2 (February 28, 2022): 905–9. http://dx.doi.org/10.22214/ijraset.2022.40348.

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Abstract: The buying behavior of consumer is changing at a faster rate in the customer oriented market environment. Consumer behaviour differs when it involves the merchandise, price, features, quality, packaging, buying behaviour, status, generation, age of the customer etc. however, youth is that the most intricate group to correspond with. The changing preferences of the present day youth affects the buying pattern with trends and fashion. Therefore, Marketers spend crores of rupees and invest an excessive amount of time on marketing research per annum to spot and predict the changing youth behaviour. Now digital platforms has posed many challenges to the marketer in the retail segment. The present generation is more fascinated with the web shopping than the traditional buying. The marketers are forced to introduce the innovative way of selling due to the pressure of the younger generation’s buying behaviour. Customers use the web not only to shop for the merchandise online, but also to match prices, product features and after sale service facilities the desire receive. In addition to the tremendous potential of the E-business market, the web provides a singular opportunity for companies to more efficiently reach existing and potential customers. The popular digital retailing companies in India are Myntra, Flipkart Snap deal, Amazon.com and e-Bay etc. The five dominant factors which influence consumer perceptions for digitalshopping are information, easy to use, satisfaction, security, proper utilization of available information to compare the different products. Keywords: Customer, Digital shopping, Digital marketing, Buying Behaviour
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Book chapters on the topic "DIGITAL RUPEE (e₹)"

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Ozili, Peterson K. "Central Bank Digital Currency in India." In Revolutionizing Financial Services and Markets Through FinTech and Blockchain, 1–14. IGI Global, 2023. http://dx.doi.org/10.4018/978-1-6684-8624-5.ch001.

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This chapter explores the benefits and issues surrounding the digital Rupee, also known as the eRupee or the central bank digital currency in India. The study found that Indian people who were interested in ‘cryptocurrency' information were also interested in ‘central bank digital currency' information. The study also showed that the introduction of CBDC has potential benefits such as reduced dependency on cash, higher seigniorage due to lower transaction costs, and reduced settlement risk. However, the India CBDC has associated risks that need to be carefully evaluated against the potential benefits. The introduction of a digital Rupee or CBDC in India will require legal and regulatory changes to make the phased CBDC implementation possible.
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Kumar, Kishlay, Dimpal Singhania, Karan Pratap Singh, Puja Mishra, and Keshav Sinha. "Navigating the Economic Challenges of the Russia-Ukraine Conflict on India." In Advances in Digital Crime, Forensics, and Cyber Terrorism, 218–38. IGI Global, 2023. http://dx.doi.org/10.4018/978-1-6684-6741-1.ch012.

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The war between Russia and Ukraine negatively impacts growth and results in a high inflation rate in the global village. In 2021, Ukraine exported $2.6B to India and imported $509.94M. During the same period, bilateral trade totaled $12.3 billion, with Indian exports totaling $3.33 billion and imports totaling $8.7 billion. The last three months, foreign portfolio investors (FPIs) pulled out of Indian markets — Rs. 50,000 crores more than the combined withdrawal of the previous nine months. As the weakened rupee made imports more expensive, the rise in crude oil prices worsened things. Brent crude prices, which hovered around $80 a barrel in early 2022, shot up to $128 a barrel in the wake of the Russian invasion. The heat of the Russo-Ukrainian war is now reaching citizens in India and around the world. This article is an overview of the aftermath of the Russia-Ukraine war on the Indian economy.
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Conference papers on the topic "DIGITAL RUPEE (e₹)"

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Thirumaran, M., S. Tiroumalmouroughane, and M. Sathish Kanna. "Secure Online Voting System Using Blockchain." In International Research Conference on IOT, Cloud and Data Science. Switzerland: Trans Tech Publications Ltd, 2023. http://dx.doi.org/10.4028/p-3r5fdk.

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In large democracy like India with about 83.4 crore voters it is estimated that about 50,000 crore rupees is spent on election and it takes about 6 weeks to conduct election. So the approach of election followed in India is costly both in terms of time and money. In order to reduce the cost of time and money, in last few decades numerous methods have already been developed and one of them is to use online voting system that providers the comfort of voting from remote location. But traditional online system has its own drawbacks like data tampering, privacy breach, etc. Blockchain technology is proposed, that incorporates cryptographic properties. Blockchain technology is simply defined as a decentralized, distributed ledger that maintains the provenance of a digital asset and is considered to be utmost secure. To avoid single point of failure, two step authentication process is used which include OTP verification and Biometric authentication. To ensure the anonymity of the votes, Identity-based ring signature scheme is used.
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Journal articles
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