COVID-19 as a Catalyst for Digital Payment Growth: A Case Study of Mehsana City
Keywords:
COVID-19, social distancing measures, digital payments, Payment Growth
Abstract
This case study investigates the impact of the COVID-19 pandemic on the adoption and growth of digital payment systems in Mehsana City, Gujarat, India. The research employs a mixed-methods approach, combining quantitative data analysis of digital transaction volumes and qualitative insights from local businesses and consumers. Findings indicate a significant acceleration in digital payment adoption, with a 150% increase in digital transactions during the first six months of the pandemic. The study highlights the role of social distancing measures, government initiatives, and changing consumer preferences in driving this shift. It concludes that while COVID-19 acted as a catalyst, the growth in digital payments is likely to have long-lasting effects on Mehsana's economic landscape.
References
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10. Vij, S. (2023). Barriers to digital payment adoption in India: A post-pandemic perspective. International Journal of Bank Marketing, 41(2), 336-355.
11. Chakraborty, R., & Sinha, M. (2023). Digital payment adoption in Indian SMEs during COVID-19: Challenges and opportunities. Small Business Economics, 60(3), 1089-1110.
12. Dwivedi, Y. K., Hughes, D. L., & Kar, A. K. (2022). Examining consumer adoption of digital payment systems during COVID-19: An integrated UTAUT model. International Journal of Information Management Data Insights, 2(1), 100057.
13. Grashuis, J., Skevas, T., & Segovia, M. S. (2020). Grocery shopping preferences during the COVID-19 pandemic. Sustainability, 12(13), 5369.
14. Jiang, Y., & Zhang, Y. (2021). Chinese consumer behavior in adopting digital payment amid COVID-19. Asia Pacific Journal of Marketing and Logistics, 33(9), 2062-2079.
15. Kabir, M. R., & Rahman, S. F. (2022). Digital payment systems in Bangladesh: A study on adoption, use and impact during the COVID-19 pandemic. Journal of Money Laundering Control, 25(2), 402-417.
16. Nawaz, S. S., & Yamin, M. (2021). Understanding the customer experience with digital payments in India: Lessons from COVID-19. Journal of Payments Strategy & Systems, 15(1), 64-76.
17. Seetharaman, P. (2020). Business models shifts: Impact of Covid-19. International Journal of Information Management, 54, 102173.
18. Sheth, J. (2020). Impact of Covid-19 on consumer behavior: Will the old habits return or die? Journal of Business Research, 117, 280-283.
19. Singh, S., & Sinha, P. (2022). Digital payment adoption in rural India: The role of COVID-19 and government initiatives. Journal of Rural Studies, 89, 262-274.
20. Tran, V. D. (2021). The adoption of digital banking in Vietnam during the COVID-19 crisis. Journal of Economic Development, 23(4), 45-62.
2. Auer, R., Cornelli, G., & Frost, J. (2020). Covid-19, cash, and the future of payments. BIS Bulletin, 3.
3. Bai, C., Guo, Y., & Chen, Y. (2024). Merchant adoption of digital payment systems in Indian tier-2 cities: A post-COVID analysis. Journal of Retailing and Consumer Services, 76, 103394.
4. Dahlberg, T., & Salmony, M. (2023). The pandemic as a catalyst for financial inclusion through digital payments. Journal of Payments Strategy & Systems, 16(4), 312-324.
5. Karkal, R., & Kamath, R. (2024). Projecting the long-term impacts of COVID-19 on India's digital payment landscape. Digital Policy, Regulation and Governance, 26(1), 1-15.
6. Kumar, A., Nayyar, A., & Pandey, S. (2021). Impact of COVID-19 on digital payment habits of Indian consumers. Journal of Asian Finance, Economics and Business, 8(6), 319-326.
7. Ozili, P. K. (2022). Digital finance, COVID-19 and government responses. Journal of Financial Regulation and Compliance, 30(4), 421-437.
8. Rahaman, S., Das, D., & Mallick, S. (2022). Digital financial services adoption in tier-2 and tier-3 cities of West Bengal during COVID-19 pandemic. Journal of Financial Services Marketing, 27(1), 35-49.
9. Sreelakshmi, C. C., & Prathap, S. K. (2020). Continuance adoption of mobile-based payments in Covid-19 context: an integrated framework of health belief model and expectation confirmation model. International Journal of Pervasive Computing and Communications, 16(4), 351-369.
10. Vij, S. (2023). Barriers to digital payment adoption in India: A post-pandemic perspective. International Journal of Bank Marketing, 41(2), 336-355.
11. Chakraborty, R., & Sinha, M. (2023). Digital payment adoption in Indian SMEs during COVID-19: Challenges and opportunities. Small Business Economics, 60(3), 1089-1110.
12. Dwivedi, Y. K., Hughes, D. L., & Kar, A. K. (2022). Examining consumer adoption of digital payment systems during COVID-19: An integrated UTAUT model. International Journal of Information Management Data Insights, 2(1), 100057.
13. Grashuis, J., Skevas, T., & Segovia, M. S. (2020). Grocery shopping preferences during the COVID-19 pandemic. Sustainability, 12(13), 5369.
14. Jiang, Y., & Zhang, Y. (2021). Chinese consumer behavior in adopting digital payment amid COVID-19. Asia Pacific Journal of Marketing and Logistics, 33(9), 2062-2079.
15. Kabir, M. R., & Rahman, S. F. (2022). Digital payment systems in Bangladesh: A study on adoption, use and impact during the COVID-19 pandemic. Journal of Money Laundering Control, 25(2), 402-417.
16. Nawaz, S. S., & Yamin, M. (2021). Understanding the customer experience with digital payments in India: Lessons from COVID-19. Journal of Payments Strategy & Systems, 15(1), 64-76.
17. Seetharaman, P. (2020). Business models shifts: Impact of Covid-19. International Journal of Information Management, 54, 102173.
18. Sheth, J. (2020). Impact of Covid-19 on consumer behavior: Will the old habits return or die? Journal of Business Research, 117, 280-283.
19. Singh, S., & Sinha, P. (2022). Digital payment adoption in rural India: The role of COVID-19 and government initiatives. Journal of Rural Studies, 89, 262-274.
20. Tran, V. D. (2021). The adoption of digital banking in Vietnam during the COVID-19 crisis. Journal of Economic Development, 23(4), 45-62.
Published
2025-05-21
How to Cite
Chhaya Patel, Dr. Rita Sharma, Prof. (Dr.) Ashish B. Joshi, & Dr. M. Samir Gopalan. (2025). COVID-19 as a Catalyst for Digital Payment Growth: A Case Study of Mehsana City. Revista Electronica De Veterinaria, 24(3), 687-692. https://doi.org/10.69980/redvet.v24i3.1918
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