Online or distance education, simply, is the teaching and learning process done via different online medium be it audio conference, video conference, articles, etc. Its history goes way back to 1982 when Western Behavioral Sciences Institute, California exercised computer conferencing to provide first ever online college programs. Later on, along with the development in technology and internet browsers, online education via video and audio conferences, videos, websites and articles evolved.

Various universities and colleges throughout the world have been offering online education in one form or another for a long time. Even though distance learning was introduced decades ago, it popularized largely after the entire world underwent lockdown due to the fear of contagious spread of COVID-19, a lethal virus, and students had to study from home.

After pandemic, the online education system replaced the traditional educational system. The imposition of lockdown prohibited people from going out except for urgent cases; so, physical educational system were replaced by online system. Classes, assignments, lectures, discussions, projects, research, examinations and everything had to be done and submitted online; as a result, the use of electronic gadgets like Smartphone, tablet, laptop, desktop, etc. escalated. People from all around the world, especially students, teachers and workers, had an increase in their screentime be it in smartphones or laptops or desktop. The usage of e-gadgets surged along with people's dependency on it for official and personal purpose.

Along with the use of electronic gadgets, the use of various video-conferencing applications like Zoom, Google Meet, etc. on which the classes were conducted increased by more than ten times. 

However, experts believe that increase in screen time of students from an elementary level child to an university level student may lead to various health related problems. Some of the major health issues that have resulted are eye strain, technostress, frustration, dullness, etc. Thereupon, they have suggested students to try and reduce their screentime as much as possible and try to engage themselves in something non-digital.

 

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Digital payment is the payment made through online and digital mediums when products are bought through various online Platform. Both the payer and payee must be the user of the digital payment platforms in order to send and receive money. In the context of Nepal, one can see that the use of the digital payment system is increasing day-by-day, especially during the post-COVID scenario.

Digital payment has proven itself to be the best alternative for the traditional method of payment i.e. via cash and cheque. It, also, has made it easier for the individuals and companies to clear their transactions effortlessly, sitting in one corner of the room/ office with few clicks.  

Currently, in this post-COVID scenario, the number of digital payment transactions is surging along with new online portals and platforms. Various banks and financial institutions (BFIs) have developed their own applications and websites promoting digital payment. Besides the banking sites, the widely used digital payment platforms are E-wallets such as E-Sewa, Khalti, IMEpay, Enetpay, etc. In present, as the other businesses are facing downfall, the business of the digital payment platform is escalating. E-Sewa is the oldest and most popular E-wallet comprising of 3 million users launched in 2009 AD. And, Khalti is emerging E-wallet launched in 2017 AD.
The introduction of different applications such as connectIPS, fonepay, etc. have eased the digital payment system and the digital payment process.

Due to the risk of contagion and spread of COVID, currently, several individuals prefer online transactions be it the purchase of goods or payment of goods and services or receipt of income and salaries. This has led to dramatically increase in the usage of e-wallets such as E-sewa, Khalti, etc. , mobile banking, e-banking, etc. for payment of internet bills, utility bills, balance top-up, online shopping, etc. 

Likewise, many companies are also carrying their business out of harm’s way. Different business transactions such as payment to suppliers, salary to employees, etc. are handled through online bank transfers. 

The major advantage of rising digital payment transactions is- the government revenue is increasing as tax is imposed on every transaction that is made through digital mediums. Also, it has fast transaction speed and the threat of theft is reduced as our money is digitalized. 

As the digital platforms are attracting lots and lots of customers today, different sectors, from vegetable, fruits, and other perishable product sectors to automobiles and gadgets, people are entering the digital platform with digital showroom and digital sales.

 

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