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Research Paper | Commerce and Economic Studies | Volume 15 Issue 5, May 2026 | Pages: 252 - 256 | India
From Cash to Clicks: Digital Payment Adoption in Emerging Indian Markets
Abstract: This study explores the adoption and usage patterns of digital payment systems in emerging Indian markets. A total of 250 respondents from various age groups, occupations, and income levels were selected using a random sampling method to ensure representative insights. The research focuses on key adoption factors, preferred payment methods, usage frequency, and challenges faced by users. Results indicate that ease of use, trust, and security are the primary drivers of digital payment adoption. Mobile wallets emerged as the most preferred method, followed by UPI/bank transfers and debit/credit cards. Most respondents reported weekly or daily usage, reflecting high engagement and integration into daily financial activities. However, lack of awareness, technical difficulties, and security concerns remain significant barriers to wider adoption, with limited internet access affecting a smaller proportion of users. Addressing these issues through awareness programs, improved technical support, and enhanced security measures can further promote adoption. The study provides practical insights for policymakers, financial institutions, and service providers aiming to expand digital payment usage in emerging markets.
Keywords: Digital Payments, Mobile Wallets, Emerging Markets, User Behavior
How to Cite?: Dr. Veena R. Humbe, "From Cash to Clicks: Digital Payment Adoption in Emerging Indian Markets", Volume 15 Issue 5, May 2026, International Journal of Science and Research (IJSR), Pages: 252-256, https://www.ijsr.net/getabstract.php?paperid=SR26430124500, DOI: https://dx.dx.doi.org/10.21275/SR26430124500