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Thesis Topic Ideas: Impact of Digital Payment Adoption on Nepali SMEs

Level: BachelorDifficulty: Intermediate★ Popular Choice

Applicable Universities:Kathmandu University (KU)Tribhuvan University (TU)Pokhara University (PU)

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1. Introduction & Problem Statement

Overview: Survey-based business study evaluating FONEPAY QR, eSewa, and Khalti adoption rates, transaction volume growth, and operational challenges among small merchants.

Background Context (Nepal): QR code digital payment adoption has grown rapidly in urban Nepal. Studying financial impact on small merchants provides empirical insights into digital economy transition.

2. Research Objectives

›Assess digital payment QR usage rates across 120 small retail and food business merchants in Kathmandu/Pokhara
›Analyze correlation between digital payment options and daily sales transaction volume
›Identify merchant adoption barriers (transaction fees, bank settlement delays, internet downtime)
›Evaluate cash flow tracking improvements for tax and accounting compliance

3. Proposed Methodology

Cross-sectional field survey of 120 SME business owners across commercial market centers
Use Technology Acceptance Model (TAM) evaluating Perceived Ease of Use and Perceived Usefulness
Perform regression analysis in SPSS testing impact of digital payment options on daily revenue
Conduct qualitative interviews with 8 merchant association representatives
Formulate recommendations for payment service operators (PSOs) and central bank

$ Worked Example / Sample Scenario

Sample Scenario: Surveying 120 retail merchants in Kathmandu reveals that displaying Fonepay/eSewa QR stands increased daily transaction volume by 18% among youth consumers.

4. Thesis Chapter-by-Chapter Outline

Chapter 1: IntroductionTU/KU/NEB standard

Digital payment evolution in Nepal, QR payment growth, and research problem statement

Chapter 2: Literature & Theoretical ReviewTU/KU/NEB standard

Technology Acceptance Model (TAM), digital financial inclusion, and SME literature

Chapter 3: Research MethodologyTU/KU/NEB standard

Sampling 120 merchants, survey instrument design, and statistical regression framework

Chapter 4: Data Analysis & ResultsTU/KU/NEB standard

SPSS regression output, merchant barrier charts, and transaction volume trends

Chapter 5: Conclusion & RecommendationsTU/KU/NEB standard

Strategic recommendations for NRB, payment gateways, and small business owners

5. Recommended Tools & Technologies

To implement the practical, technical, or analytical portions of this thesis topic, the following software tools, libraries, or APIs are recommended:

SPSSMS ExcelGoogle FormsSmartPLS

6. Core References & Academic Sources

[1]Nepal Rastra Bank (NRB) Payment Systems Oversight Reports
[2]Journal of Electronic Commerce Research

7. Frequently Asked Questions (FAQs)

Q: What is the TAM model in digital business research?

The Technology Acceptance Model (TAM) predicts technology adoption based on Perceived Usefulness and Perceived Ease of Use.