Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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Volume 7 Issue 2
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Adoption and Usage of Domestic Digital Payment Systems in Urban Bangalore

Author(s) Sehel Ahmed, Dr. Kruti Vaibhav Dave
Country India
Abstract The present study examines the adoption and usage of domestic digital payment systems in urban Bangalore. With the rapid growth of digital infrastructure and financial technologies in India, digital payment systems such as UPI, mobile wallets, debit and credit cards, and internet banking have gained significant importance. The study aims to analyse awareness, usage patterns, influence of demographic factors, perceived convenience, impact on cash usage, and challenges associated with digital payment systems.
The research is based on primary data collected from respondents in urban Bangalore through a structured questionnaire using a Likert scale. Statistical tools such as descriptive statistics, chi-square test, and one-sample t-test were used for data analysis. The findings indicate that demographic factors such as age, gender, and income do not have a significant relationship with the adoption of digital payment systems. However, there is a significant difference in the usage patterns of various digital payment modes, with UPI emerging as the most preferred mode. The results also show that users perceive digital payment systems as convenient.
Further, the study reveals that digital payment systems significantly contribute to the reduction of cash usage. At the same time, security concerns and operational challenges significantly influence user behaviour. The study concludes that convenience, accessibility, and technological efficiency are key drivers of digital payment adoption in urban Bangalore.
Published In Volume 7, Issue 2, March-April 2026
Published On 2026-04-21
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E-ISSN 3048-7641
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