During this year’s Diwali festive season, the mode of transaction in Jaisalmer district markets changed: from sweet shops to clothing showrooms and decorative‑goods counters, customers opted to pay via mobile phones rather than cash.
In Sarhad district markets, the growing use of UPI has not only eased customers’ experience but also altered daily trade and payment management for small traders. During the festival a single buyer shops at multiple places; paying by scanning QR codes on a mobile relieves the problem of loose cash.
Small traders are seeing benefits
Digital payments are no longer limited to large establishments; they have reached small local businesses as well. The biggest advantage for shopkeepers is getting a digital record, which reduces repeated reconciliations and provides customers with instant payment confirmation.
Expert view and cautions
According to digital‑payment expert Mahesh Purohit, paying through UPI during the festive rush frees customers from cash‑handling and change issues and keeps shopkeepers’ accounts organised. He advises merchants and buyers not to hand over goods before payment is confirmed and to stay alert against fake messages and cyber fraud.
- New payment medium: UPI offers a smooth alternative to cash
- Small traders get support: local shopkeepers are adopting digital transaction systems
- Time saved: payment and confirmation processes are now easier
- Transparency in accounts: digital transaction records are useful for merchants
- Cyber‑security challenge: verify the correct name and account before paying