[29] FROM LAND TO CLOUD: THE ROLE OF DIGITAL PAYMENTS IN SUSTAINABLE RURAL ECONOMIC EMPOWERMENT: How to Cite the Article: Geetha Bai A.S (2026). From Land to Cloud: The Role of Digital Payments in Sustainable Rural Economic Empowerment. International Journal of Multidisciplinary Research & Reviews, 5(s2). 269-274.

Dr. Geetha Bai A.S

Authors

Dr. Geetha Bai A.S Associate Professor, Department of Commerce, Government First Grade College, Kanakapura, Bengaluru South District 562117.

Abstract

Digital payments have emerged as a transformative force in rural economies by enabling a shift from cash-based transactions to digitally integrated financial systems. The concept of “Land to Cloud” symbolises the transition of rural livelihoods, traditionally dependent on land and agriculture, towards digitally enabled economic participation. From a commerce perspective, digital payment systems play a crucial role in enhancing financial inclusion, improving market efficiency, and promoting sustainable rural empowerment. This paper examines the role of digital payments in strengthening rural economic activities through improved access to banking services, government transfers, and digital markets. The study adopts a conceptual and analytical approach based on secondary data from government and institutional sources. Recent statistics indicate that digital payments now account for nearly the entire transaction volume in India, reflecting a significant behavioural shift away from traditional payment methods. The findings highlight that digital payments reduce transaction costs, enhance transparency, and support inclusive rural growth, although challenges related to digital literacy and infrastructure remain. The study concludes that digital payments constitute a vital digital pathway in achieving sustainable rural empowerment.