• M SENDHIL KUMAR
• Dr B ADALARASU

Digital Wallets have promoted greatly from the demonetization effort, with even roadside vendors started to accept e-wallet payments. The digital wallet is an online money account which can make all the transactions without the need of any physical card like debit cards and credit cards. E-wallets are always parallel to debit cards because they operate through pre-loaded money in users account. There is deep change in way the instalments are made for exchange, from physical money to instalment through plastic cards and web based instalment system and now through versatile mobile wallet .The innovation based electronic instalment were all through credit card or web based instalment services. Anyway the period of instalment through portable wallet with comparative features of physical money has impressed base in India. People are making instalment for exchange through merchandise and administration through versatile digital wallet. Not with standing its number of advantages, the response of mobile wallet by the forthcoming user will rely upon certain variable. At the present time handy wallet what's in market is promising and alluring, however uncertain. This current research attempted to know the reasons and benefits to use mobile wallets for day to day transactions.

Demonetization, Digital Wallets, Physical Money, Versatile Market

"DIGITAL WALLET: DETERMINING RISK FACTORS OF USABILITY AND ADOPTION", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 1, page no.460-470, January-2019, Available :http://www.jetir.org/papers/JETIR1901A58.pdf

"DIGITAL WALLET: DETERMINING RISK FACTORS OF USABILITY AND ADOPTION", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 1, page no. pp460-470, January-2019, Available at : http://www.jetir.org/papers/JETIR1901A58.pdf