India's digital dividend: A strategic opportunity and challenge

Mythili Kolluru; Madhu Sudhana Rao Kondaveti; Denis Hyams-Ssekasi

doi:10.31893/multirev.2025035

Keywords:

Abstract

India has been on a digital growth trajectory for a few years, prompted by its goal of becoming a trillion-dollar digital economy by 2025. The Indian digital revolution has resulted in a new wave of digital consumption and dividends. This manuscript examines the transformative journey of India's digital revolution, highlighting the strategic opportunities and challenges it encompasses. The Digital India initiative, a cornerstone government policy, has been instrumental in this transformative process, aiming to digitize various aspects of life and governance. Despite a significant increase in internet users and the successful launch of numerous digital projects, a substantial digital divide remains, characterized by disparities in mobile phone ownership, internet access, and digital literacy across different genders, geographical locations, and income groups. Using a qualitative research methodology, this study investigates the economic impact of digitalization on the Indian economy and identifies factors contributing to the digital divide. An extensive literature review and qualitative content analysis identified five primary themes: the digital profile of India, digitization and economic growth, digitalization and economic variables, digitalization across sectors, and the digital divide. These themes elucidate India's progress in digital literacy and financial inclusion, the economic advantages of digitalization, and the obstacles to achieving digital inclusivity. The manuscript proposes a developmental framework with recommendations for policymakers, business leaders, and other stakeholders to mitigate the digital divide and maximize the benefits of digital dividends. It underscores the necessity of a comprehensive digital strategy, the enhancement of digital infrastructure, the development of digital human resources, the promotion of digital literacy, and the fostering of digital entrepreneurial capacity.
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How to cite

Kolluru, M., Kondaveti, M. S. R., & Hyams-Ssekasi, D. (2024). India’s digital dividend: A strategic opportunity and challenge . Multidisciplinary Reviews, 8(2), 2025035. https://doi.org/10.31893/multirev.2025035

[1] A., M., & S., G. B. (2022). India’s Digital Payment Landscape – An Analysis. International Journal of Case Studies in Business, IT, and Education, 6(1), 223–236. https://doi.org/10.47992/ijcsbe.2581.6942.0161

[2] Agarwal, V., Malhotra, S., Vishal Dagar, & Pavithra M.R. (2023). Coping with public-private partnership issues: A path forward to sustainable agriculture. Socio-Economic Planning Sciences, 89, 101703–101703. https://doi.org/10.1016/j.seps.2023.101703

[3] Alonso, C., Bhojwani, T., Hanedar, E., Prihardini, D., Uña, G., & Zhabska, K. (2023). tacking up the benefits: Lessons from India’s digital journey . International Monetary Fund. https://doi.org/10.5089/9798400240416.001.A001

[4] Asrani, C. (2021). Spanning the digital divide in India: Barriers to ICT adoption and usage. Journal of Public Affairs, 22(4). https://doi.org/10.1002/pa.2598

[5] Asrani, C., & Kar, A. K. (2022). Diffusion and adoption of digital communications services in India. Information Technology for Development, 1–23. https://doi.org/10.1080/02681102.2022.2046536

[6] BABLI. (2021). Digital Economy: Impact And Challenges On Indian Economy. Elementary Education Online, 20(5), 8148–8154. https://ilkogretim-online.org/index.php/pub/article/view/3791

[7] Boston Consulting Group & PhonePe. (2022). Digital payments in India: A $10 trillion opportunity. https://www.bcg.com/en-in/publications/2022/future-of-digital-payments-in-india

[8] Cavallo, A., Ghezzi, A., Dell’Era, C., & Pellizzoni, E. (2019). Fostering digital entrepreneurship from startup to scaleup: The role of venture capital funds and angel groups. Technological Forecasting and Social Change, 145, 24–35. https://doi.org/10.1016/j.techfore.2019.04.022

[9] Chief, I. (2024). How digital transformation will help India accelerate its growth in the coming years. Ey.com. https://www.ey.com/en_in/insights/tax/how-digital-transformation-will-help-india-accelerate-its-growth-in-the-coming-years

[10] Choudhary, A. (2023). International Journal of Research Publication and Reviews Impact and Challenges of Digitalisation on Indian Economy: A Post Pandemic Content Analysis. International Journal of Research Publication and Reviews, 4(5), 448–451. https://ijrpr.com/uploads/V4ISSUE5/IJRPR12676.pdf

[11] CP, S., & HS, S. (2019). IMPACT OF DIGITALIZATION ON INDIAN ECONOMY. Seshadripuram Journal of Social Sciences (SJSS) Peer Reviewed Open Access National Journal, 2(1). https://mcom.sfgc.ac.in/online-journaL

[12] Dale, A., Arber, S. L., & Procter, M. (1988). Doing secondary analysis. Allen & Unwin ; Boston.

[13] Dua, S. (2017). DIGITAL INDIA: OPPORTUNITIES & CHALLENGES. http://www.ijstm.com/images/short_pdf/1489556002_D753ijstm.pdf

[14] Ferri, D., Giannoumis, G. A., & Edward O’Sullivan, C. (2015). Fostering accessible technology and sculpting an inclusive market through regulation. International Review of Law, Computers & Technology, 29(2-3), 81–87. https://doi.org/10.1080/13600869.2015.1055666

[15] Glaser, B. G. (1963). Retreading Research Materials: The Use of Secondary Analysis by the Independent Researcher. American Behavioral Scientist, 6(10), 11–14. https://doi.org/10.1177/000276426300601003

[16] Ice, L., & Rieley, M. (2022). Expected pandemic-driven employment changes: a comparison of 2019–29 and 2020–30 projection sets. Monthly Labor Review. https://doi.org/10.21916/mlr.2022.5

[17] In Focus India. (2023, October 4). Bridging the digital divide: Unlocking India’s economic potential. https://in-focusindia.com/2023/10/04/bridging-the-digital-divide-unlocking-indias-economic-potential/

[18] Johnston, M. (2014). Secondary data analysis: A method by which the time has come. Qualitative and Quantitative Methods in Libraries, 3(1), 619–626. https://www.qqml-journal.net/index.php/qqml/article/view/169/170

[19] Kaka, N., Kshirsagar, A., Gupta, R., Madgavkar, A., Manyika, J., Bahl, K., & Gupta, S. (2019, March 27). Digital India: Technology to transform a connected nation | McKinsey. Www.mckinsey.com. https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/digital-india-technology-to-transform-a-connected-nation

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[21] Kaul, M., & Mathur, P. (2017). IMPACT OF DIGITALIZATION ON THE INDIAN ECONOMY AND REQUIREMENT OF FINANCIAL LITERACY (pp. 978–993). https://www.digitalxplore.org/up_proc/pdf/277-1487937532100-105.pdf

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[23] King, K. (2012). The Cultural Challenge in India�s Massive Skills Development Ambitions. Vikalpa: The Journal for Decision Makers, 37(3), 1–6. https://doi.org/10.1177/0256090920120301

[24] Kraus, S., Jones, P., Kailer, N., Weinmann, A., Banegas, N. C., & Tierno, N. R. (2021). Digital Transformation: an Overview of the Current State of the Art of Research. SAGE Open, 11(3), 1–15. Sagepub. https://doi.org/10.1177/21582440211047576

[25] Krippendorff, K. (2019). Content Analysis: An Introduction to Its Methodology. Content Analysis: An Introduction to Its Methodology, 4. https://doi.org/10.4135/9781071878781

[26] Kumar, S., Tiwari, T., & Srivastava, A. (2019). Adoption of digital payment methods in India. International Journal of Electronic Finance, 9(3), 217. https://doi.org/10.1504/ijef.2019.10020410

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