Abstract: Digital payment is defined as transactions in which authorizes the transfer of money through electronic means, and the funds flow directly from one account to another. Rural India has significant impact on the economic progress of the country, and with the emerging changes of ICT penetration, and the impact of demonetisation, alongside the digital initiatives carried out for rural segments, the need for improving the trends of digital payments model in rural India is very important. Transferring of money to one another, making shopping a convenient option and rather than carrying cash all the time, people can opt for making use of their credit and debit cards and mobile wallets for easy payments. The present study is an attempt of the light on the Awareness and Perception about digital payment with special reference to Malappattam Panchayat in Kannur district. The study revealed that most of the people are aware about the digital payments. The study suggested that Government should promote rural households to report their complaints to the digital transactions in order to improve confidence in online transactions and an awareness programme should be implemented in regional language also by considering illiterate people.

Keywords: Digital Payment. Awareness, Mobile wallet, Rural People

| DOI: 10.17148/IARJSET.2024.11616