Msmes And The Upi: A Post-Pandemic Analysis


  • Miss Maliha Batool
  • Mr. Kashif Sajjad
  • Miss Mehar Fatima


The paper tends to illustrate the impact digital service providers like the Uniform Payment Interface (UPI) had on India's micro-, small, and Medium-scale enterprises. This follows the broader impact digitalisation had on the economy of these enterprises during Covid-19 pandemic. This paper focuses on evolving postpandemic scenario given these enterprises have adopted online payment modes
on a large scale. It has been shown that despite advantages of the UPI, there are certain challenges these businesses face in properly adapting to the technology. These challenges exist at many levels. In conclusion, it has been pointed out that to overcome these challenges, there is a need for policy overview, without which it will be difficult to ascertain an all-encompassing digitalisation of the economy.




How to Cite

Miss Maliha Batool, Mr. Kashif Sajjad, & Miss Mehar Fatima. (2023). Msmes And The Upi: A Post-Pandemic Analysis. Elementary Education Online, 20(4), 4717–4728. Retrieved from