A Study on Adoption of Digital Payments in Informal Sectors: Post-Demonetization in District Bilaspur, Himachal Pradesh

This study examines the adoption of digital payments in India's informal sector following the 2016 demonetization. Using a mixed-method approach with 60 participants — vendors, small retailers, and daily wage earners from Bilaspur, Himachal Pradesh, the research identifies key adoption determinants and their implications for financial inclusion. Findings show 88.3% of respondents use digital payments, with 71.7% transacting daily. While necessity drove initial adoption, sustained usage depends on ease of use, trust, and smartphone access. Targeted interventions in digital literacy and infrastructure are recommended.