Advanced International Journal for Research

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

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Volume 7 Issue 4
July-August 2026

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Unified Payments Interface use for Digital Financial Inclusion in Towns

Author(s) Dr. Vedantam Seetha Ram, Dr. Dowluri Sudhakar, Dr. Pamapana Surya Prakasa Rao
Country India
Abstract Penetration of digital banking through unified payment interface (UPI) services is studied in the current study on a small town Kuppam in Andhra Pradesh, India for the empirical data collected through a self-administered questionnaire and applying statistical tools such as bivariate correlation and relationship assessment and found that digital transactions (DT) are used by individuals and feel that these DT have brought ease of transacting along with tracking facility. Results reveal that demographic factors doesn’t have any relationship with the use of UPI services and the same is confirmed in bivariate correlation analysis on DT. A relationship map is drawn to find out whether individuals understand monitoring and regulatory agencies guidelines, privacy norms that safeguard their interests and found that people are aware about guidelines and follow them at regular time intervals to update their knowledge and rights, but lot more needs to be done by the monitoring and regulatory agencies in gaining momentum in digital financial inclusion targets set by central and state governments to bank the unbanked areas across India. This study is helpful for diversified stakeholders like academicians, researchers, policy makers in analyzing the penetration of digital banking in small towns there by helping banks and UPI service provides in formulating strategies of boosting awareness about DT importance. This study, also helps banks in identifying movement of DT based on which privacy related decisions can be made, establish relationship with clearing houses and service providers for quality and speedy transactions.
Keywords Bivariate Correlation, COVID, Digital Banking, Digital Financial Technologies, Digital Transactions, Digital Wallet, Relationship Map
Field Business Administration
Published In Volume 7, Issue 4, July-August 2026
Published On 2026-07-03
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E-ISSN 3048-7641
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