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VOL. 11, ISSUE 10 (2025)
Consumer trust, digital payments, and online purchase intentions: A study in the Post-UPI Era
Authors
Dr. D John Prabakaran
Abstract
The rapid growth of digital payment systems
has significantly reshaped consumer behavior in India, particularly following
the widespread adoption of the Unified Payments Interface (UPI). This study
examines how consumer trust in digital payment platforms influences online
purchase intentions in the post-UPI era. The research focuses on three major
aspects: the level of consumer trust in digital payment systems, the key
factors affecting trust—such as perceived security, privacy, convenience, and
system reliability—and the impact of digital payment usage on consumers’
intention to purchase online. Drawing on insights from existing literature, the
study highlights how advanced security features, seamless user experience, and
reduced transaction friction collectively enhance consumer confidence in
digital transactions. The findings emphasize that increased familiarity with
and satisfaction toward digital payments encourage consumers to engage more
actively in online shopping. Overall, this study contributes to understanding
the evolving digital payment landscape in India and provides valuable insights
for e-commerce platforms, policymakers, and fintech developers seeking to
strengthen consumer trust and boost online purchase behavior in the post-UPI
environment.
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Pages:79-83
How to cite this article:
Dr. D John Prabakaran "Consumer trust, digital payments, and online purchase intentions: A study in the Post-UPI Era". International Journal of Commerce and Management Research, Vol 11, Issue 10, 2025, Pages 79-83
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