Published Paper Details:

Abstract Online transactions are the backbone of the present modern era this digital payment can happened through the using of apps on your phone, digital wallet or through online banking something online and sending the money to a friend over through the internet facilities without the need of physical money so in 2016 the Indian economy introduced the cashless transaction giving to the boost of the economy through the digital payment sector. Unexpectedly the growth of 4444 companies enlisted in the demonetization period relating to the total worth of $2.8 billion dollar so the google estimate that the business consulting group that the India digital payment industry is a growing around $500444 million by 2020. The female percentage in the digital payment is lower than the male 14.37 percentage occurred by female and 135 percentage by male in digital payments comparison with 5.75 percentage by female and 4.25 percentage by male in the form of cash transaction. That means gender and individual preferences do not influence the adoption and utilisation of digital payment method.54 percentage of net banking is highly secured as well as e wallet payments and 20 percentage of people is insecure or neutral in the form of different factors. Online transactions are consistently influenced by the environmental consciousness, easy record keeping, quick access, security of digital record, cost reliability and cultural acceptance collectively influence to the individual preferences for digital transactions.