Published Paper Details:

Improving the user experience is key to encouraging mass acceptance and long-term usage of digital payments, which are becoming more and more popular in this period. This paper focuses on three essential elements--design, convenience, and trust--that enhance the user experience with digital payments. It explores the significance of using user-centric design principles to create payment interfaces that are simple to use and satisfy a wide range of user needs. In addition, it highlights the significance of simplicity in digital payment procedures, including streamlined onboarding, expedited and secure transactions, and customized features that enhance user contentment and involvement. Another crucial component is developing trust, and this study explores how to accomplish this with digital payment systems by using strong security protocols, open data practices, and efficient communication. It also highlights the role of financial literacy and education in fostering user confidence and promoting responsible digital payment behaviour. Digital payment providers may enhance the user experience and boost adoption and engagement by comprehending and tackling these concerns. The insights presented in this paper aim to guide industry practitioners, policymakers, and researchers in their efforts to design and implement user-centric digital payment solutions that drive convenience, trust, and ultimately, user satisfaction.