डिजिटल बँकिंग सेवा आणि भारताचा आंतरराष्ट्रीय व्यापार एक विश्लेषणात्मक अध्ययन

Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 183  󰲕     󰲇 󰱿  󰲄󰫽 󰬀  .  󰲑  1 .  . 2 1󰫵 , . . 󰫦 󰫵 󰱳    2󰬇 󰭈󰬀 , 󰫵  󰱿󰬎  . . 󰫦 󰫵 󰱳    Email: shubhangin[email protected] Manuscript ID: JRD -2025-171043 ISSN: 2230-9578 Volume 17 Issue 10 (III) Pp. 183-189 October 2025 Submitted:22 Sept. 2025 Revised: 27 Sept. 2025 Accepted: 20 Oct. 2025 Published: 31 Oct. 2025  :  󰲕    󰱿  󰲐   󰬎󰲆 󰫼  .  󰲕   󰱿   󰬀 .  󰱿 , 󰫤  󰫦   .  󰲕  󰫳 󰲇 󰱿    .  󰲕  󰫰  󰰉  󰲇 󰱿 󰬶 .  󰲒 󰱿  󰲕    , 󰫽, 󰫽   󰬎 󰫼 ,    󰭈  󰫼 , 󰱿󰬬   󰲇 󰱿    󰬉 󰭈󰱺 .   󰫽  󰲇 󰱿  󰲕        󰫼  .  󰱿 󰫳 󰫦󰱿󰬎  󰭈  . "  󰬋 󰱿 󰱮      󰱿 󰱮 󰬎   󰭈 ."  :  󰲕 , 󰲇 󰱿,  ,  ,  󰫦󰱿󰬎, 󰫽. 󰭈󰬎 : 󰲕  󰱿󰬎  󰬎󰰉 󰬆  󰲕  . 󰲇 󰱿  󰲕  󰫽 󰫽󰫦 .  󰱿,  󰬎,   󰱿,  󰫦    󰰌 󰱿  󰫦  .     󰲕  󰬎    . (   , 2025)  󰲑  󰱿 󰫮  󰬀    󰰈   󰬂󰰗  󰫳  󰬎 . 󰲇 󰱿  󰫳 󰲗󰫦   󰫽 󰫽󰫦 . 󰫦, 󰭅, 󰲇 󰰗 , . . (  󰬴)  󰱿 󰲐󰫽  .  󰲕  ,   󰭑   .     󰲕  󰲇 󰱿 󰲐, 󰭅 󰱮  󰭃󰫥, 󰲇 󰱿 󰬬  󰫽 󰱨  󰲕    󰫼 ,  󰲕   󰰗   󰬎󰲆 󰫼  . ( 󰫦󰲇 󰱿   󰱿 󰭈   󰰌 󰰣   󰱇 󰬂󰫦  󰰉 󰰗 ‘󰬾’ 󰲒 󰬎 󰲒  󰬁󰭅  2025-26 , n.d.) . Quick Response Code: Website: https://jrdrvb.org/ DOI: 10.5281/zenodo.17775537 Creative Commons (CC BY-NC-SA 4.0) This is an open access journal, and articles are distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International Public License, which allows others to remix, tweak, and build upon the work noncommercially, as long as appropriate credit is given and the new creations ae licensed under the idential terms. Address for correspondence:  .   󰲑   ,  󰫵  .. . 󰫦  󰫵  󰱳      . How to cite this article:   , .  . 󰲑 . , &  , .  . ( 2025).  󰲕     󰲇 󰱿  󰲄󰫽 󰬀. Journal of Research & Development, 17(10(III)), 183–189. Original Article Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 184 󰬾  󰲇 󰱿  󰬂󰫦 ,  󰰌 󰱿    󰱇 .  󰱯 󰲇 󰱿 󰬎   ,  󰫽  󰭈  󰲇 󰱿    .    󰬀 󰫳  󰫦 󰱿 󰭈󰫽 󰫼    󰫼 󰬉 󰫽 󰲒 󰬾 .  󰲕   󰲇 󰱿   󰲇 󰱿 󰬎󰬎  .  󰲇 󰱿   . “󰲇 󰱿 󰬆  󰲕  󰫽󰫤 󰬎 󰬀  󰬎   󰱿 .” ( International (Global) Trade , n.d.)  󰲕  󰲇 󰱿 󰰈   󰫼 .  󰬀 󰬎󰬃 󰭈󰱨 󰱿 󰫼 .    󰰗    󰬂󰬆󰫦  󰫼  .   󰫳   󰰗󰫸,    󰫼  . 󰫽   : 1. (H. Li et al., 2025)    󰰌  󰲇 󰱿  󰱿   󰲐  󰱯 .  󰬅 󰫳 󰭈 󰬎   .  󰰌 󰫳 󰱿 󰫦󰫤  󰫽 󰲐 .     󰬎󰲆  󰲒 󰭃 󰬁   󰰌   󰱿 󰫳   󰰍  . ,   , 󰱳  󰰉  󰲗󰫦   󰭈 󰬎 , 󰫽   󰰌  󰫦 󰱿  󰲐  , 󰫵 󰬀 󰰌 󰭃   ,   󰲐   󰫽 .  󰰌  󰫳 󰱿     .  󰬍 󰰩 󰫳 󰲂 󰱿   󰰌    󰰍 󰭈 .  󰫽󰰩  󰰌  󰬀 󰭈   󰫼  󰲑 ,  󰰉   󰰌 󰲐 󰫦    .  󰬀  󰲀  -󰫦 󰫼    󰫤󰭃    󰫼  ,  󰰌   󰰎 󰭃 󰬁  󰭈 󰲗󰫦   󰭈󰫽, 󰭃 󰬁   󰰌  󰱿 󰭈 󰬌 . 󰫽,  , 󰱳    󰲗󰫦   󰭈     .  󰰌   󰭈 󰱿   󰲐  󰭃,   󰲐 󰫳 󰱍 󰰌󰫳 󰱿   ,  “ 󰰌󰫦 󰫽 󰱇󰲒” 󰫼  “ ” 2023 󰬀  󰬉   . 2. ( Major Developments in Digital Banking Driving International Trade in 2024 | LinkedIn , n.d.) 2024   󰲕  󰲇 󰱿 󰰌 󰱿    󰫤  ,   󰬀 󰭈  󰫦     . 󰱿 󰲕  , 󰱿     󰫤  󰰉  󰲇 󰱿󰫳  󰰍󰫦  󰲑 .  󰲕      , 󰬍    󰫽 , 󰫦󰫤  󰫦 󰲗󰫦  󰲂 ,   󰱿  . 3. (Z. Li et al., 2024)    󰫳 󰲇 󰱿 󰬎  󰰉 󰫽 , 2012  2020    󰰗󰫸 󰲇 󰱿 󰬎  󰲐   . 󰫽  󰰗󰫸  󰲇 󰱿 󰬎 󰭈 󰰉  .   󰭈    󰫵 󰲇 󰱿 󰬎  .  󰬀  󰰗󰫸 󰲐  󰲑. 󰫵 󰬀 󰱿  󰭈 󰬎 ,   󰰗󰫸 󰲇 󰱿 󰬎 󰫤  󰫽 󰲐 󰲑;  󰫵 󰬀 󰱿   ,  󰫽  󰰍󰫦 󰲐 󰲑     󰫽 󰫳 󰲇 󰱿 󰬎󰫦󰫽   .  󰬍 󰰩󰫳    󰬉 ,   󰰗       󰰗󰫳      󰫦 . 󰫽  󰭃󰫥        .  󰰗 󰫤 󰭃󰫥 󰭈 ,  󰰉  󰫤󰭃 󰲂  󰫤   .  󰬋󰫦    󰫦  󰬎 󰫦 󰬋  󰫦 ,  󰰉 󰫽󰫳  󰫦 󰬀  󰰗 󰱿 󰱿󰬎  .  󰲒 󰱿   ,  󰰗 Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 185    󰰗󰭅        󰬄 󰰉 󰱳󰱿.  󰰗    󰬎󰲐  , ,  󰰗     󰲇 󰱿 .        󰭃 󰫼   ,  󰰉 󰲗󰫦   󰫰 󰭈  . 4. ( How Digital Tools and Technologies Are Shaping the Future of Import-Export , n.d.)    󰭃󰫥 -󰫦 󰱿 󰲐󰫦  .  󰫦󰫤 , 󰱿 󰭈󰲑󰬴   󰫼 . 󰱿󰫳  󰬌     󰫦󰫤    󰭈 .  󰱿      󰲗󰫦  . HDFC  󰫳 MyBusiness Digital Banking   󰫳       .   󰫦 󰱿  󰲕   .  󰬂󰫦󰰉 󰰗,  , 󰫦  ,     󰱿  󰱿󰬎  , 󰫵 󰲇 󰱿 󰱿  󰱿󰬎  . 5. (Kumari, 2025)  󰬅 󰱯 󰲑   󰱿 󰫦  󰫽 󰬬   󰲐   . 󰲑   󰲇 󰱿 󰫦  󰫼 󰫦 󰱿󰫤  󰭈 .   󰫽   󰬁 󰫤󰭃   󰰌 , 󰬎󰫽     󰫦 󰫽 (GDP) 󰫳 󰱿 󰭈 󰲐 󰬅 󰬬   .     󰫽󰰩 󰰌 󰱿󰬀 󰲑     󰬎  󰬉 󰱿     . 󰱿 󰫽󰫳 󰫦󰱮󰰎󰬀 󰲑   󰫼 󰭈󰫽 󰱳.  󰫳 󰲑  󰫳   󰬴 󰲔 󰲑󰬉 󰱿 󰫦       󰰌  󰬄 󰰉  󰱿 󰲇 󰬎 󰭈 󰫼  .  󰱳 󰬎󰫦󰫽       󰲆   . 󰲑   󰰉 󰱿 󰫦󰫤   󰱿 󰲐󰬀  󰫼 󰰍    . 󰲑 󰬎 󰰉 󰱳 󰫽 󰫦󰫤   , 󰫦  󰰉    󰬎󰫦󰫽   󰭈 󰰉  . 󰱯 : 1.  󰲕    󰲒 󰲕  󰱿      . 2.  󰲕  󰬀 󰫽  󰲕   󰲇 󰱿 󰬎  󰬉    . 3. 󰲇 󰱿  󰲕   󰬉 󰫦󰱿󰬎      . 4. 󰲇 󰫦 󰬬 󰱿󰬬  󰲕  󰬬   .  󰫽 : 1.  󰲕    󰲒 󰲕  󰱿   . 2.  󰲕 󰬀 󰲇 󰱿 󰬴-󰫦 󰰗  󰫦  . 3. 󰲇 󰱿  󰲕   󰬉 󰫦󰱿󰬎  . 4. 󰲇 󰫦 󰬬 󰱿󰬬  󰲕    .  󰱮 :  󰬅 󰫦󰫽  󰲄󰫽 .    󰱨 󰫾 󰲐 .    󰭈 󰫼 . 󰱨 󰭓 : 󰬎 , 󰫦󰬉,    󰭓. 󰲄:   󰱆,      󰫼 . Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 186  󰲄 : 1.  󰲕    󰲒 󰲕  󰱿   . Adapted from (“Cross-Border Payments,” n.d.)  󰲕    󰬎 , 󰭅 ,   , 󰫤  󰬎󰬎 󰱮  .   󰱿 󰫳 󰬇 󰫽󰲐   󰫮 . SWIFT, NEFT, RTGS, UPI    󰬎   . 󰫽 󰲇 󰱿  󰲕    . 2.  󰲕 󰬀 󰲇 󰱿 󰬴-󰫦 󰰗  󰫦  . Adapted from ( Understanding Cross-Border Payments | DSGPay , 2024) Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 187 Adapted from ( Understanding Cross-Border Payments | DSGPay , 2024) 󰲇 󰱿  󰬴 󰫦 󰰗 󰬉  .  󰬊   󰫽   󰰉󰲐 , 󰱿  󰫤󰲐󰫽 RippleNet, Visa B2B Connect 󰫯  󰫦 󰱨 󰫼 .   󰫦   󰲕    󰰉  . Wise (TransferWise), Payoneer, PayPal Business, Stripe Atlas / Stripe International, SWIFT network (through banks), WorldRemit / Remitly (for smaller trade payments)  󰬴 󰫦 󰰗  󰫼 . 󰬀 AD Category-I   . HDFC, SBI, Axis, ICICI 󰫳 󰬀 󰬴 󰫦 󰬾 󰰗  󰬉 . 3. 󰲇 󰱿  󰲕   󰬉 󰫦󰱿󰬎  . Adapted from ( Cross-Border Payments Guide , n.d.)    󰱿 󰫯 2017   󰬁,   󰰗 󰱮 󰬉 󰱿 󰫯 󰬎󰲆  .  󰱿    . Adapted from ( Cross-Border Payments Guide , n.d.) Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 188      󰲇  󰱿  󰫽 󰱆 󰬎󰲆  .  󰱿 , 󰫤  󰫦 󰱮 󰬉 󰫦󰱿󰬎 󰫽  .    , 󰲕  󰭈 󰱿 󰬾󰲕     󰫦 󰱮, 󰫤 󰱮  . 󰲇 󰱿  .  󰫦 ,  󰲗󰫦 , 󰱳 󰱿  ,  󰲒     󰫳 󰫦󰱿󰬎  . 4. 󰲇 󰫦 󰬬 󰱿󰬬  󰲕    . 󰲇 󰫦 󰱿 󰬬 󰱿󰬬  󰲕    .  󰱨    󰫽  . 1. RoDTEP Scheme (Remission of Duties and Taxes on Exported Products) :   󰫦 󰫽 󰬉 󰭈󰫽󰫤   󰫼 .  󰰗󰫸  󰱿  󰱮  . 󰫽   󰲕   󰫦 . 󰫦 , 󰱆 󰭈󰱺 ,  󰲕  󰱮  . ( A Complete Guide to the RoDTEP Scheme | DHL India , n.d.) 2. RoSCTL Scheme (Rebate of State and Central Taxes and Levies) :  󰲌󰱳   .  󰱿 DGFT Portal 󰱨 󰫼 .  󰫽 NEFT/RTGS 󰱨 󰱆 󰬎 󰫼 .    󰲕   󰲐 . ( What Is RoSCTL Scheme? , n.d.) 3. NIRVIK (Niryat Rin Vikas Yojana) : Export Credit Guarantee Corporation (ECGC)  󰰗󰫦 󰫦  󰬴   󰬁󰬁  󰭈  . 󰫦    󰫦󰰉  ,   󰫽 󰱉 .( NIRVIK Scheme: Features & Benefits, Eligibility, Documents | IIFL Finance , n.d.) 󰰉 󰲇 󰫦 󰬬 󰱿󰬬  󰲕    .    󰲕   󰰗 󰬎 󰲐   󰫽  󰬎󰲐 󰫼 . 󰫦 : 1.   󰱨 󰫾 󰲐 . 2. 󰲇 󰱿   󰫦    󰬄 . 3. 󰲇 󰱿  󰫤 󰫽 . 󰲕 ,    󰲗󰫦  . 4.     . 󰫽    . 󰫽 󰰗  󰲕   󰬎 . 󰫽 󰫽  󰫽 󰱿 󰲒 󰲕  󰭈    󰱿󰬬  . 5.       . 󰫽 󰫽    󰫤     . 󰫽 󰱿   󰲕  󰱿 󰭈󰲑󰬴  . 6. 󰬶    󰱮 󰬶    󰲒󰫳 󰱿󰱇󰲒      . 7.  󰱿  , 󰫦   󰫦 󰬉 󰱿  .       . 8.    󰲇  󰱿    󰬉 󰬎 .  󰱿 󰲒  󰫳 󰫦 (limits)  󰫽 󰱚   󰱿  . 9.  󰬀 KYC 󰲕  AML (Anti-Money Laundering)  ,󰫽 󰱿 󰫼  .  : 1.    󰫤 󰫰  󰱿. 2. 󰲇  󰬁 󰫼    󰭃  󰬴 󰫦  󰰗 󰭉 󰫦  . 󰫽 , , WTO   󰬎       . 3.   󰱿󰬬     󰭈     󰱿󰬬 󰫦 󰬁󰬾󰫮, hedging   . 4.  󰭈󰫮 󰱳    󰰉 󰬶   󰫤 . 5.   󰫽  connectivity  󰫦 󰬁󰭉󰬎󰬾󰫮  󰬌   .  󰲇 󰱿 󰭉 detection 󰬎 󰱮 . Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-10 (III) October2025 189 6.   󰲑 󰬎󰫦  󰭈󰫽  󰰗  󰬎󰬎  󰬄 󰫼     󰫦 . CBDC (Central Bank Digital Currency)   󰱿 󰬉  󰫼  . 7. 󰫦  , DGFT (Directorate General of Foreign Trade) 󰫦,  󰲕   󰱨 󰱿󰬬  󰰗󰫸,  󰫤  󰬎   󰭈󰫤 󰭈 . 󰬍 󰫦:  󰲕  󰱿 , 󰫤  󰫦 󰱮 .  󰲇 󰱿 󰭈󰲑󰬴   . 󰫦󰱿󰬎 󰭈 󰫼   .    󰫤, 󰭅   󰬎, 󰰗  󰭃󰫥       󰫦  󰱿 󰭈󰫤    .  󰰉 󰲇 󰱿  󰲕   󰬎   󰬆    .   󰲇 󰱿 󰰌󰰌 󰭈 .    󰱿 󰫤󰭃 󰬶 . 󰫦 : 1. Major Developments in Digital Banking Driving International Trade in 2024 | LinkedIn. (n.d.). Retrieved October 26, 2025, from https://www.linkedin.com/pulse/major-developments-digital-banking-driving-trade-2024-gauravmehta-o8q8c/ 2. A Complete Guide to the RoDTEP Scheme | DHL India. (n.d.). Retrieved October 28, 2025, from https://www.dhl.com/discover/en-in/logistics-advice/logistics-insights/a-complete-guide-to-the-rodtep-scheme 3. Cross-Border Payments. (n.d.). Trade Finance Global. Retrieved October 27, 2025, from https://www.tradefinanceglobal.com/payments/cross-border/ 4. Cross-Border Payments Guide: What’s Going On and What Can We Expect in 2025? (n.d.). Softjourn Inc. Retrieved October 27, 2025, from https://softjourn.com/insights/cross-border-payments-guide 5. How Digital Tools and Technologies are Shaping the Future of Import-Export. (n.d.). Retrieved October 26, 2025, from https://www.hdfcbank.com/personal/resources/learning-centre/sme/how-digital-tools-and-technologies-areshaping-future-of-import-export 6. How does digital finance affect imports, exports and trade balance: Evidence from China. (2025). International Review of Economics & Finance, 99, 104054. https://doi.org/10.1016/j.iref.2025.104054 7. 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