Studying the Differences in Digital Transaction Adoption Rates Among the Poorest and the Rich in India

This research examines the disparities in digital transaction adoption between low-income and high-income populations in India, with particular focus on the impact of the Pradhan Mantri Jan Dhan Yojana initiative. The study analyzes internet penetration rates, government policies promoting digital payments, and socioeconomic barriers to financial inclusion. Understanding these differences is critical for policymakers seeking to achieve inclusive economic growth and reduce corruption through digital financial systems.