Across India, local markets act as the economic backbone of communities and are comprised of millions of micro-entrepreneurs, street vendors, and small shopkeepers who offer low-cost, necessary products and services. Traditionally, these informal businesses relied on cash transactions and word-of-mouth to drive their business. They now face a rapid transformation towards digital technology as a result of government initiatives such as Digital India (2015), Jan Dhan Yojana, PM SVANidhi (2020), and UPI, among others. Although there is a growing number of digital tools that have been made available; however, there is still a significant digital divide regarding the availability of technology and the adoption of these technologies. This chapter provides the findings of a two-phased community study that was conducted as part of the Sharda University Community Connect Programme (CCU 108). The first phase consisted of a structured household survey that identified the local community’s socio-economic baseline. Phase Two of the primary study looked at how thirty small vendors from a semi-urban marketplace in Greater Noida utilized digital payment methods. The overall research question is whether or not the use of digital tools has really changed the informal business practices of those vendors or if there are still (1) structural barriers such as lack of trust in conducting business electronically, (2) lack of digital literacy, and (3) insufficiency of the necessary infrastructure to fully integrate digital payment methods into their businesses.