Consumer Perception Towards Digital Payment Systems in India

The rapid proliferation of digital payment ecosystems has fundamentally reconfigured the financial transaction landscape across emerging economies, with India representing one of the most dynamic cases of this structural transformation. Despite the accelerating adoption of platforms such as the Unified Payments Interface (UPI), mobile wallets, and card-based payment systems, the psychosocial and socio-demographic determinants of consumer perception remain insufficiently theorised within the Indian context. The present study addresses this gap by empirically examining consumer awareness, attitudinal orientations, usage intensity, and perceived barriers associated with digital payment adoption among a sample of 101 respondents in India, employing a structured questionnaire-based survey design.