Published Paper Details:

Abstract Purpose: Rise of digital payment systems has changed how financial transactions happens in Bangalore, making them more convenient, efficiency and efficient. Even so, there are still several challenges that prevent the smooth adoption of these technologies. This study aims to explore the main challenges in carry out digital payment systems in Bangalore. The goal is to help the readers understand the barriers to adoption and suggest possible solutions to boost financial inclusion and economic growth. Methodology: The study involved reviewing various from government reports, academic journals, and industry publications. The sources were found in Google Scholar and other databases, focusing on research from the past five years. Findings: The study says that low digital literacy, cybersecurity risks, poor infrastructure, financial exclusion, and regulatory challenges are the key barriers in adopting digital payment systems in Bangalore. These issues have become more complicated due to rapid technological changes and the city's diverse population. Unique Contribution to Theory, Practice, and Policy: This study suggests improving digital literacy, enhancing cybersecurity, upgrading infrastructure, and promoting financial inclusion. And also, To accommodate the dynamic environment of digital payments, the regulatory framework must be adapt in addressing these challenges will help Bangalore to benefit from digital payments and create a more inclusive financial system.