• Bhagatani Hemangiben Narayandas Ph.D. Research Scholar, Shri Govind Guru University, Vinzol, Godhra
  • Dr. Maheshkumar Chimanlal Rathava Associate Professor, Shri J.L.K. Kotecha Arts & Smt. S.H. Gardi Commerce College, Kakanpur Shri Govind Guru University, Vinzol, Godhra


E-Wallet, Digital Payment, Mobile Payments, Godhra


This research study aims to explore and analyse the perceptions of e-wallet usage among users in Godhra, city of Panchamahal district, Gujarat. The primary objectives are to assess the overall perception of e-wallets among users and to investigate whether there is any significant relationship between users' demographic profiles and their perceptions of e-wallets. To achieve these objectives, a sample size of 60 users from Godhra was targeted, providing valuable insights into their attitudes and opinions regarding e-wallet usage. The study employed statistical tools and techniques, including the One Sample T-Test and Chi-Square analysis, to analyse the collected data. The findings of this study reveal critical insights into the adoption and acceptance of e-wallets in a semi-urban British context. Additionally, the research sheds light on whether demographic factors such as age, income, education, and occupation influence users' perceptions towards e-wallets. Understanding these perceptions is essential for e-wallet service providers, policymakers, and researchers to enhance the adoption of digital payment technologies and ensure they meet the diverse needs of users in different demographic segments. The study contributes to the growing body of knowledge on e-wallet adoption in the India and underscores its implications for the broader digital payment ecosystem.


I. Gupta, A., & Singh, R. (2019). E-Wallet Adoption in Urban India: A Study of User Behavior. Journal of Digital Banking, 3(1), 44-56.

II. Gupta, V., & Mishra, S. (2019). The Impact of E-Wallets on Traditional Banking in India: An Exploratory Study. Journal of Banking and Finance Trends, 6(3), 89-103.

III. Kumar, S., & Sharma, P. (2020). Regulatory Environment for E-Wallets in India: Challenges and Prospects. Indian Journal of Banking and Finance, 3(4), 67-80.

IV. Sharma, N., Gupta, R., & Verma, A. (2022). User Concerns Regarding E-Wallet Security: An Empirical Study in India. Journal of Cybersecurity and Privacy, 9(2), 123-138.

V. Verma, S., & Patel, M. (2021). Enhancing Financial Inclusion Through E-Wallets: A Case Study of Rural Gujarat. International Journal of Financial Inclusion, 8(2), 67-79.

Additional Files



How to Cite

Bhagatani Hemangiben Narayandas, & Dr. Maheshkumar Chimanlal Rathava. (2023). PERCEPTIONS OF E-WALLET USAGE AMONG USERS IN GODHRA. International Education and Research Journal (IERJ), 9(11). Retrieved from