Published Paper Details:

India's digital payment system is a promising success storey in the making thanks to recent policy initiatives and technological advancements. The statistics, on the other hand, shows that cash use is growing. While data collected at the nation level may give us an idea of individuals' preferences in general, we're using a new online survey dataset to figure out how things like Consumers' payment habits are influenced by their "perception" and "trust" in digital payments, as well as their own experience with online scams. While demographics such as age, gender, and wealth play a role in this decision, we find strong arguments for the other side. Any evidence to suggest that a person's impression of digital payment systems influences their use and Her confidence in the whole payment mechanism and banking system. We discover that the extent to which one's prior experiences influence one's current behaviour varies.It depends on the objective of the transaction whether or not the use of digital payments is deterred by online fraud.