P.O.S. Terminal Usage Amongst Merchants in Guwahati: Assessing SBI's Market Share with Respect to Competing Banks

Abstract

AbstractPoint-of-Sale (POS) terminals form a critical infrastructure of India's digital payments ecosystem. This study examines POS terminal usage patterns among merchants across diverse business sectors in Guwahati, Assam, with a specific focus on assessing the market share of State Bank of India (SBI) relative to competing banks and payment service providers. Primary data were collected from 81 merchant respondents via structured questionnaire (June-July 2024). HDFC Bank leads with 32.1% market share; SBI holds 9.9%. SBI terminals average Rs. 1,17,500 in monthly transactions.Keywords: POS terminal, digital banking, merchant acquiring, SBI, market share, Guwahati, fintech, UP