Finance and Technology together has produced several FinTech companies and increased the usage of digital transactions over the period. India has followed the advanced nations and now haswitnessedtremendous growth in the usage of digital modesfor doing financial transactions. Covid-19 pandemic and the resultant restrictions like social distancing and the threat of spread of virus have led to more usage of digital modes over cash transactions. Before pandemic when Modi government announced digital India move the pace of usage was still on the lower side which got a boost due to pandemic restrictions. Typically, Indian woman seem to be dependent upon her male counterpart or the male member of the family to do the financial transactions like investments or fund transfer etc. Additionally, the residential location like rural or urban also makes differencein terms of usage as the area has its own challenges. This study uses primary data to check whether educated and earning women believe in the usage of digital methods for financial transactions andagrees that these modes are beneficial. Also, whether the residential location has any impact overthe usage.

Keywords : Location, Benefits of digital modes, Digital methods