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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 03

Published on: March 2026 2026

A STUDY ON DIGITALIZATION OF PAYMENT SYSTEMS AND ITS IMPACT ON CASH FLOW MANAGEMENT

Nirshidha T

Dr P Syamsundar

Kumaraguru School of Business Coimbatore Tamil Nadu India
DOI:https://doi.org/10.55041/ijcope.v2i3.033

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Plagiarism Passed Peer Reviewed Open Access

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Abstract

The digitalization of payment systems has significantly transformed financial operations by improving transaction speed, accuracy, and control over cash flows. This study examines the impact of digital payment systems on cash flow management in the sugar manufacturing industry. Using a descriptive research design, primary data were collected from 129 employees through structured questionnaires, supported by secondary sources. The analysis focuses on the adoption level of digital payment practices and their influence on operational efficiency and cash flow management. Regression results reveal a significant positive relationship between digital payment adoption and cash flow management, with higher adoption leading to faster settlements and improved liquidity. The findings highlight strong acceptance of digital payments across employee groups and emphasize the role of digitalization in enhancing financial efficiency. The study concludes that effective integration of digital payment systems can support sustainable cash flow management and improved financial performance.

How to Cite this Paper

T, N. (2026). A Study on Digitalization of Payment Systems and its Impact on Cash Flow Management. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(03), 1 - 7. https://doi.org/10.55041/ijcope.v2i3.033

T, Nirshidha. "A Study on Digitalization of Payment Systems and its Impact on Cash Flow Management." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 03, 2026, pp. 1 - 7. doi:https://doi.org/10.55041/ijcope.v2i3.033.

T, Nirshidha. "A Study on Digitalization of Payment Systems and its Impact on Cash Flow Management." International Journal of Creative and Open Research in Engineering and Management 02, no. 03 (2026): 1 - 7. https://doi.org/https://doi.org/10.55041/ijcope.v2i3.033.

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References


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Ethical Compliance & Review Process

  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
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  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: Mar 10 2026
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