Published Paper Details:

The study looks at customer opinions of digital payment systems in India, namely the Unified Payments Interface (UPI), mobile wallets and contactless payments. As India moves toward a cashless economy, fueled by government programs and fintech breakthroughs, it is critical to assess the degree and variety of digital payment usage across demographic groups. The study uses a quantitative cross-sectional survey with 500 respondents to measure acceptance levels, identify obstacles and investigate the impact of demographic factors on digital payment usage. The findings show that younger, urban and educated people are more likely to choose UPI, which is the most common approach. Security problems, technical issues and a lack of trust are all significant challenges. The study emphasizes the importance of stronger security measures, improved technological infrastructure, focused marketing techniques and supporting governmental frameworks in encouraging broader usage and addressing existing impediments. The results highlight the significance of targeted actions to increase financial inclusion and ease India's paperless transition.