USAID Digital Payments India Merchant and Consumer Research Resources Research Publication
Recognizing the critical role digital payments can play in deepening financial inclusion, the Government of India’s Ministry of Finance (MoF) and the United States Agency for International Development (USAID) launched a Partnership in 2015 specifically focused on increasing the use of digital payments at point of sale, particularly among low-income consumers. Over 35 key Indian, American, and international organizations have partnered with the MoF and USAID on this initiative.
To guide the efforts of this partnership, USAID commissioned a study to understand the current behaviors and perceptions towards digital payments among consumers and merchants in low-income communities in India. The top insights of this research can be found at https://www.globalinnovationexchange.org/beyond-cash.
On this page, we have attached several supporting documents that describe in the in-depth findings of the research:
- Quantitative Research Findings: This document outlines the findings from the quantitative survey covering 2500 consumers and merchants across six locations in semi-urban and urban India.
- Qualitative Research Findings: This document outlines the findings from the in-depth, human-centered design research that was carried out in conjunction with the quantitative survey.
- Appendix to the Quantitative Research Findings: In this appendix, we present more granular analyses of the information presented in the quantitative research findings document. It includes analyses for specific demographic and geographic sub-segments of consumers and merchants.
- Research Methodology Document: This describes the methodology for both the qualitative and the qualitative, human-centered design (HCD) research.
- Quantitative Survey Raw Data: This excel file includes the individual respondent – level data from the quantitative survey administered to consumer and merchants, along with the necessary documentation to decipher the data codes.
- Consumer survey questionnaire: This is the quantitative survey instrument administered to consumers.
- Merchant survey questionnaire: This is the quantitative survey instrument administered to merchants.
- Qualitative discussion guide (Consumers): This is the discussion guide used for the qualitative, human-centered design (HCD) research with consumers.
- Qualitative discussion guide (Merchants): This is the discussion guide used for the qualitative, human-centered design (HCD) research with merchants.