Restricted access | Chapter | First published July 10, 2026 | Part of Sustainable Value Creation: Integrating Marketing and Finance for SDG Achievement

3. ROLE OF DIGITAL WALLETS IN FINANCIAL EMPOWERMENT: INSIGHTS FROM MIDDLE-AGED DELHI- NCR RESIDENTS

Alish Kumar Naik, Preksha Agrawal, Rifa Sanjida Raika| Sharda School of Business Studies Sharda University, Greater Noida

Sustainable Value Creation: Integrating Marketing and Finance for SDG Achievement  |  https://doi.org/https://doi.org/10.67103/IRG.SVC.2026.9788168516441.3

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Abstract

Digital wallets are quickly becoming a big deal in India, changing how people pay for things
like groceries and cab rides. They make payments fast, easy, and secure, which seems very
modern. As India moves toward cashless payments, digital wallets are popping up
everywhere, especially in busy cities like Delhi-NCR. However, not everyone is ready to use
their phone as a wallet. Many people between 40 and 60 years old often hesitate. This
group is crucial because they make important financial decisions in families, so their
reluctance has a significant impact in busy urban areas.
This study looks into why these individuals might be unsure about digital wallets. Are they
curious but do not know how to start? Do they trust these apps with their money, or do
concerns about hackers keep them sticking to cash? We examine how user-friendly these
tools are, if they feel safe enough, and what they need to learn to feel comfortable using
them. By using surveys and direct conversations, we explore what attracts them to digital
wallets and what holds them back. Using a mix of surveys and heart-to-heart talks, we
are exploring the big questions: What draws them in? What pushes them away? Research
shows that convenience is a huge pull—think skipping lines or paying bills from the couch—
yet whispers of tech troubles and security scares often linger. Digital literacy, too, seems to
play a starring role; if you have never grown up with a smartphone, an app can feel like a
puzzle.
Our goal? To figure out how digital wallets can fit into their lives, not just as a trendy
gadget but as a real boost to managing money with confidence. We are looking at ways to
make this tech friendlier—maybe simpler screens, or guides that speak their language—to
bridge the gap and pull them into India’s digital economy. This work aims to shed light on
how these everyday tools can empower a group that’s too often left on the sidelines of the
tech wave, while navigating the vibrant, ever-shifting landscape of Delhi-NCR.

Chapter information

Chapter title ROLE OF DIGITAL WALLETS IN FINANCIAL EMPOWERMENT: INSIGHTS FROM MIDDLE-AGED DELHI- NCR RESIDENTS
Author(s) Alish Kumar Naik, Preksha Agrawal, Rifa Sanjida Raika| Sharda School of Business Studies Sharda University, Greater Noida
Book title Sustainable Value Creation: Integrating Marketing and Finance for SDG Achievement
Book Doi https://doi.org/10.67103/IRG.SVC.2026.9788168516441
DOI https://doi.org/https://doi.org/10.67103/IRG.SVC.2026.9788168516441.3
Publication date July 10, 2026
Access Restricted access
Copyright © 2026 IRG Press. All Rights Reserved

How to cite

Alish Kumar Naik, Preksha Agrawal, Rifa Sanjida Raika| Sharda School of Business Studies Sharda University, Greater Noida. 2026. ROLE OF DIGITAL WALLETS IN FINANCIAL EMPOWERMENT: INSIGHTS FROM MIDDLE-AGED DELHI- NCR RESIDENTS. In: Sustainable Value Creation: Integrating Marketing and Finance for SDG Achievement. Book Doi https://doi.org/10.67103/IRG.SVC.2026.9788168516441. https://doi.org/https://doi.org/10.67103/IRG.SVC.2026.9788168516441.3

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