Abstract

The rapid growth of e-commerce and digital payments has transformed the way consumers shop and make transactions. This study aims to explore the impact of e-commerce and digital payments on consumer behavior and financial inclusion. A survey of 500 consumers was conducted to gather data on their online shopping habits, payment preferences, and financial inclusion. The results show that e-commerce and digital payments have increased convenience, flexibility, and financial inclusion for consumers. However, concerns about security, privacy, and digital divide persist. The study recommends strategies for businesses and policymakers to address these concerns and promote a more inclusive and secure digital economy.