From Cash to Clicks: The Influence of Digital Payments on Small Business Growth in Urban Bengaluru

Abstract

This study explores the influence of digital payment systems on small business growth in Urban Bengaluru. Using responses from 100 entrepreneurs, descriptive and inferential analyses were applied to examine adoption trends, motivations, and business impact. Results show widespread adoption of UPI and wallet-based payments driven by convenience and efficiency. T-test results indicate no significant sales difference between adopters and non-adopters, while chi-square findings confirm ease of use as a key driver. Correlation and regression analyses reveal moderate positive relationships between digital transaction share, transparency, and operational stability. The study concludes that digital payments are vital in improving efficiency, reducing risks, and fostering sustainable small business growth in Urban Bengaluru.