• Dr. N. MOHAMED SIDDIQ
• Dr. S. RIZVAN AHAMED
• Dr. Y. RAZEETH KHAN
• Dr. M. SHAHID AHMED
• Dr. BADHUSHA M H N

The adoption of digital payments among roadside vendors marks a significant step towards fostering financial inclusion and enhancing the operational efficiency of the informal economy. This article explores the transformative impact of digital payment systems on vendor earnings, business operations, and customer relationships while highlighting the challenges hindering their widespread adoption. Drawing from studies conducted between 2016 and 2020, it delves into key factors influencing digital payment adoption, such as awareness, perceived security, and government support. The article also outlines actionable suggestions, including simplified onboarding processes, targeted awareness campaigns, and public-private partnerships, to accelerate adoption. By addressing barriers such as security concerns, technical limitations, and the digital divide, the article underscores the potential of digital payments to empower roadside vendors and contribute to a cashless and inclusive economy. The findings emphasize the need for collaborative efforts among governments, industry stakeholders, and communities to unlock the full potential of digital payment systems in the informal sector.

Digital Payments, Roadside Vendors, Financial Inclusion, Informal Economy.

"IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 1, page no.c375-c380, January-2025, Available :http://www.jetir.org/papers/JETIR2501244.pdf

"IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 1, page no. ppc375-c380, January-2025, Available at : http://www.jetir.org/papers/JETIR2501244.pdf