Published Paper Details:

Abstract: The study aims to evaluate the performance of digital payment platforms, including multiple methods such as debit/credit cards, online banking, mobile wallets, digital payment applications number, and Unified Payment Services Interface (UPI). UPI, a pioneering system that brings together various banking features, money routing, and carrier billing seamlessly in a single mobile application across participating banks, offers customers flexibility for convenient transactions, anytime, anywhere. By leveraging the peer-to-peer request collection mechanism, users can schedule and execute payments according to their requests, making money transfers as simple as sending a text message on a mobile device. This study aims to gain insight into the functional efficiency of UPI applications, privacy understanding, limitations and user satisfaction, shedding light on the service quality provided by the platform, UPI payments offered to the people of Bengaluru.