Published Paper Details:

The objective of this article is to know people's digital awareness and how to overcome the barriers by using it to transfer money. Once up on a time if we wanted to transfer money net banking, mobile banking etc. methods were used. Also, we used to have to go the bank to send money and wait for hours. During the Stone Age, humans used barter to buy goods and carry on business. Depending on the changing times, new ways and new methods have emerged in the money transfer process. At present, in India, UPI (Unified Payments Interface) cash transactions are widely used by people. As the economy developed well, India will be at the top of the developed countries. In addition, the continuity of digital transactions will help eliminate black money. Rather than going to banks, first the ATM centers came to right, then net banking and mobile banking etc. came to transfer money. Currently, e-wallets are used to transfer money over computers and mobile devices. In mobile wallets like payphone, google pay, paytm, CRED applications have become more popular to carry out digital transactions. A new technology called digital rupee has been introduced to transfer money in our country. In this research document, we identified the intent and barriers to digital transactions for individuals.