A STUDY ON DIGITAL FINANCIAL LITERACY AMONG WOMEN ENTERPRENEURS IN MADURAI CITY

Special Issue - Innovative Commerce: Bridging Business and Computer Applications (ICBBCA-2026) |PG Department of Commerce with Computer Applications, Mannar Thirumalai Naicker College, Madurai – March 2026| International Journal of Computer Science (IJCS) Published by SK Research Group of Companies (SKRG

Abstract

Digital financial literacy has emerged as an essential skill in the modern digital economy, especially for women entrepreneurs who contribute significantly to economic development. This study focuses on assessing the level of digital financial literacy among women entrepreneurs in Madurai District, Tamil Nadu. The research examines their awareness, usage, confidence, and challenges in adopting digital financial tools such as mobile banking, UPI applications, digital wallets, and internet banking. A descriptive research design was adopted, and primary data was collected from 60+ respondents through structured questionnaires and interviews. Secondary data was gathered from government reports, research articles, and institutional publications. The findings reveal that while a majority of women entrepreneurs actively use UPI-based applications like Google Pay and PhonePe for transactions, there is limited awareness and usage of advanced financial services such as online loans, investment platforms, and insurance services. The study also identifies key challenges including cybersecurity concerns, fear of fraud, language barriers, lack of technical knowledge, and limited digital infrastructure, particularly in rural areas.

References

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Keywords

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