A Study on Consumer Perception towards Digital Payments and Online Shopping after GST Implementation

The implementation of Goods and Services Tax (GST) has brought significant transformation in the Indian economy by encouraging transparency, digital transactions, and organized business practices. The study concludes that GST has positively influenced consumer perception towards digital payments and online shopping. The increasing use of digital payment systems such as UPI, debit cards, credit cards, mobile wallets, and internet banking indicates the growing acceptance of cashless transactions among consumers.The study reveals that consumers prefer online shopping platforms due to convenience, time-saving, product variety, discounts, and secure payment options. GST has further supported the growth of e-commerce and digital payment systems by promoting online financial transactions and reducing dependency on cash-based payments. Consumers have become more comfortable with digital purchasing and online transaction systems in the post-GST era. However, the study also identified several challenges such as cyber security concerns, internet connectivity issues, fear of online fraud, and lack of digital literacy. These factors continue to affect consumer confidence and the effective adoption of digital payment systems and online shopping platforms. Therefore, proper awareness programs, improved technological infrastructure, and enhanced digital security measures are necessary to strengthen consumer trust in digital transactions. Overall, the study concludes that GST has played a vital role in promoting digital payments and online shopping behaviour among consumers. With continuous support from the government, financial institutions, and e-commerce companies, digital transactions and online shopping activities can contribute significantly to the growth of the digital economy and consumer satisfaction in India.

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