A Study on Utilisation of Digital Payment System in Small Businesses in Coimbatore

The rapid growth of digital payment systems has significantly transformed the functioning of small businesses by enhancing financial inclusion, transparency, and operational efficiency. From a human rights perspective, access to digital payment platforms supports the right to equality, livelihood, and participation in economic activities by enabling small business owners to access formal financial services and secure transactions. This study examines the adoption of digital payment systems among small businesses and analyzes their impact on sales growth, customer satisfaction, operational efficiency, and transparent financial record-keeping. It also explores how digital payments contribute to economic security by facilitating access to credit, insurance and government welfare schemes through digital transaction records.