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Abstract

Digital transformation has become a fundamental force reshaping economic, educational, and social systems worldwide. In developing economies such as India, the rapid expansion of digital infrastructure, increased smartphone penetration, and widespread internet accessibility have significantly transformed the way individuals access services, acquire knowledge, and conduct financial transactions. Within this evolving landscape, e-education platforms and e-payment systems have emerged as key components of the digital ecosystem, particularly influencing the lives and activities of the youth population.Skill-oriented youth, who are actively engaged in enhancing their competencies and improving employability, are increasingly utilizing digital tools for both learning and financial purposes. E-education platforms offer flexible, accessible, and cost-effective opportunities for skill development, while e-payment systems facilitate quick, secure, and efficient financial transactions. Collectively, these platforms play a crucial role in promoting digital participation and inclusion, thereby contributing to the broader process of digital transformation among the younger generation.