• R KARTHIKEYAN
• Hemasrikumar

Cashless transactions refer to financial exchanges that do not involve the physical transfer of cash. Instead, they utilize digital or electronic methods such as credit/debit cards, mobile banking, digital wallets, online transfer systems, and contactless payments. The shift towards cashless transactions has been driven by advancements in technology, the increasing use of smartphones, and the need for quick, secure, and convenient payment options. The advent of cashless transactions has revolutionized the retail industry, offering numerous benefits and challenges for businesses. This study examines the impact of cashless transactions on retail shops, highlighting the advantages of increased efficiency, reduced costs, and enhanced customer experience. However, it also explores the challenges of security concerns, technological infrastructure, and customer adoption. The findings suggest that retailers who adopt cashless transactions can improve their operational efficiency, reduce costs, and enhance customer satisfaction, ultimately leading to increased competitiveness and profitability. This study provides valuable insights for retailers, policymakers, and technology providers seeking to understand the implications of cashless transactions on the retail industry.

cashless transaction,digital payment,online payment

"Impact of Cashless Transaction on Retail Business-A Case Study of Kothagiri Taluk ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 6, page no.h313-h323, June-2025, Available :http://www.jetir.org/papers/JETIR2506742.pdf

"Impact of Cashless Transaction on Retail Business-A Case Study of Kothagiri Taluk ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 6, page no. pph313-h323, June-2025, Available at : http://www.jetir.org/papers/JETIR2506742.pdf