Social Welfare Schemes and Digital Payment Systems: An Analysis of Beneficiary Satisfaction in Mandya District
Author : Lokesha K and Dr. G Parameshwari
Abstract :
This study examines the satisfaction of beneficiaries towards social welfare schemes delivered through Digital Payment Systems (DPS) in Mandya district, Karnataka. DPS platforms, including Direct Benefit Transfer (DBT) and Aadhaar Enabled Payment System (AePS), have transformed welfare delivery by reducing delays, increasing transparency, and improving accessibility. A structured questionnaire was administered to 136 respondents, and data was analyzed using descriptive statistics and one-sample t-tests. Findings reveal overall high satisfaction, particularly in accessibility and availability, while internet and mobile network reliability scored lowest. All variables showed statistically significant differences (p < 0.05), leading to the rejection of the null hypothesis. The study recommends improving network infrastructure and enhancing digital literacy to further strengthen welfare delivery.
Keywords :
Digital Payment System, Beneficiary Satisfaction, Social Welfare Schemes, Financial Inclusion.
