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ATTITUDE OF CUSTOMERS TOWARDS SELECTED UPI APPLICATIONS, WITH SPECIAL REFERENCE TO COIMBATORE CITY
Authors
DHARANEESH N.M,Dr. R. Mayilsamy
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Keywords
Unified Payment Interface (UPI), Customer Attitudes, Digital Payment, Demographic Variables.
Abstract
The Unified Payment Interface (UPI) has significantly transformed the digital payment ecosystem in India, especially in regions like Coimbatore that consist of both urban and semi-urban populations. This study aims to analyze customer attitudes toward selected UPI applications -- Google Pay, PhonePe, and Paytm -- by examining factors such as ease of use, security, transaction speed, reliability, user interface, and trust. It also explores how demographic variables like age, income, education, and occupation influence customer preferences and usage patterns. A descriptive research design was adopted, using a well-structured questionnaire to collect primary data from users in the Coimbatore district. Secondary data was sourced from journals, articles, and previous studies. Analytical tools including simple percentage analysis, Likert scale analysis, ranking analysis, chi-square analysis, and t-test were used to interpret the collected data. The study seeks to identify the reasons why customers prefer or avoid using specific UPI apps, the problems they face, and their suggestions for improvement. It also tests the hypothesis that there is no significant relationship between gender and frequency of app usage. The research was conducted over a period from December 2024 to April 2025. Findings from this study are intended to provide actionable insights for app developers, financial institutions, and policymakers to enhance UPI adoption rates, address user concerns, and optimize the overall digital payment experience. However, the study is geographically limited to Coimbatore and may be influenced by self-reported data biases and sample size constraints.
IJCRT's Publication Details
Unique Identification Number - IJCRT25A4034
Paper ID - 282921
Author type - Indian Author
Page Number(s) - i754-i759
Pubished in - Volume 13 | Issue 4 | April 2025
DOI (Digital Object Identifier) -
No Of Downloads - 95
Author Country - India, 641 602, Tiruppur, Tiruppur, 641 602, Commerce All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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DHARANEESH N.M,Dr. R. Mayilsamy, "ATTITUDE OF CUSTOMERS TOWARDS SELECTED UPI APPLICATIONS, WITH SPECIAL REFERENCE TO COIMBATORE CITY", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 4, pp.i754-i759, April 2025, Available at :http://www.ijcrt.org/papers/IJCRT25A4034.pdf
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