• Shewli Hira
• Sartaj Ahmad
• Manoj Kumar Tripathi

The purpose of this study is to examine the factors influencing digital adoption among Women-owned very small businesses in India. This study examines the relationship between Digital Payment Tools Adoption and its factors Education and Age. The data was collected over a period of six months in Kolkata and its adjoining areas in West Bengal. The study used mixed research methods in collecting data and used SPSS for analysis. The results find that Education level is the significant predictor in Digital Adoption which is likely to facilitate better business. Age is found to be less significant in digital adoption. Thus, this study provides a deeper insight into the causes of delay in digital adoption to reap benefits of digital technology use in business. The findings of this research are required for those who are creating training programs to enhance digital skills among self-employed or self-proprietors.

Digital Literacy, Digital Transformation, Digital Infrastructure

"DETERMINANTS OF DIGITAL ADOPTION AMONG WOMEN-OWNED VERY SMALL BUSINESSES IN INDIA: A MULTIVARIATE ANALYSIS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 8, page no.b235-b245, August-2025, Available :http://www.jetir.org/papers/JETIR2508130.pdf

"DETERMINANTS OF DIGITAL ADOPTION AMONG WOMEN-OWNED VERY SMALL BUSINESSES IN INDIA: A MULTIVARIATE ANALYSIS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 8, page no. ppb235-b245, August-2025, Available at : http://www.jetir.org/papers/JETIR2508130.pdf