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VOL. 12, ISSUE 1 (2026)
The evolution of digital payments: Examining user preferences for UPI apps
Authors
Dr. Pinki Rani Dei
Abstract
UPI has become a widely accepted and preferred payment method since its
inception in India in 2016. UPI is an advanced payment system that offers
greater ease of use for consumers and high security, and it has shown greater
adoption among consumers. In 2008, demonetization and, subsequently, COVID-19
led to increased use of online and digital payment methods. The availability of
high-speed, uninterrupted internet further facilitates the adoption of UPI in
both urban and rural areas. According to studies, India's digital payments
volume has increased at an average annual rate of approximately 50 percent over
the last five years. This study aims to examine the factors influencing
customer preferences for UPI apps. This study was conducted in the Kalol and Gandhinagar
districts of Gujarat. A Simple Random sampling method was used to select 203
respondents for the study. The influence of various factors, such as
convenience, popularity, safety, and ease of access, was analysed to determine
customer preferences for UPIs. Tests such as ANOVA and t-tests were used for
analysis. The results indicate that customers hold a favourable opinion of the
unified payment interface. The use of UPI services is positively correlated
with respondents' education level. Customers prefer UPI apps that offer greater
safety and trustworthiness over convenience, popularity, and other features
such as cash back and rewards.
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Pages:32-36
How to cite this article:
Dr. Pinki Rani Dei "The evolution of digital payments: Examining user preferences for UPI apps". International Journal of Commerce and Management Research, Vol 12, Issue 1, 2026, Pages 32-36
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