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Journal articles on the topic 'UPI [Unified Payment Interface]'

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Published: 2 June 2025

Last updated: 31 July 2025

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1

Goutham, Sabbani. "Unified Payments Interface (UPI) – Digital Future of India." European Journal of Advances in Engineering and Technology 10, no. 10 (2023): 77–80. https://doi.org/10.5281/zenodo.11907624.

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The demonetization and digital India initiatives have given the Indian banking sector more impetus to continue pushing for the widespread use of digital payments. The "Unified Payment Interface (UPI)," which was introduced by the "National Payment Corporation of India (NPCI)" to enable digital payments, is a fantastic, updated, and reasonably priced innovation that makes digital payment services available to everyone. The adoption of mobile payment services by smartphone users, financial institutions, and banks has been signalled by the proliferation of smartphones, technological advancements,

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Sharma, Uma, Sahana Madhukar Kokkalaki, and Mr Manjunath S K. "The role of UPI (Unified Payments Interface) in Financial Interoperability in India." IOSR Journal of Business and Management 27, no. 7 (2025): 39–47. https://doi.org/10.9790/487x-2707013947.

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Unified Payments Interface (UPI) is a communication protocol interface that connects multiple banks accounts to one mobile payment gateway. Interoperability of this interface –a feature which was enabled recently has made these connection even more flexible, as this interface enabled with interoperability feature can connect to any bank to a mobile payment gateway making payment seamless through a single unified QR code which is unique to each retail merchant. Impacting the payment time and access to payment gateways. The National Payments Corporation of India (NPCI) introduced UPI as a paymen

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x, Swaty. "Unified Payment Interface (UPI): A Digital Transformation in India." International Journal of Science and Research (IJSR) 13, no. 11 (2024): 1727–31. https://doi.org/10.21275/sr241119155237.

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Mahesh, A., and Bhat Ganesh. "Digital Payment Service in India - A Case Study of Unified Payment Interface." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 5, no. 1 (2021): 256–65. https://doi.org/10.5281/zenodo.5091207.

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<strong>Purpose:</strong> <em>The Indian Banking sector is striving hard to popularise digital payments and has gained momentum after demonetization and digital India initiatives. To facilitate digital payments, “National Payment Corporation of India (NPCI)” launched the “Unified Payment Interface (UPI)”, which is an amazing, revamped, and cost-effective breakthrough for enabling digital payment services for all. Proliferation of smartphones, technological innovations, and effective internet communications has signified the usage of mobile payment facility for smartphon

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Joshi, Megha. "Analysis of Usage of UPI Payments in Banking Sector." International Journal for Research in Applied Science and Engineering Technology 13, no. 6 (2025): 3504–13. https://doi.org/10.22214/ijraset.2025.72756.

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The genesis of India’s unified payment solution prior to 2016; India used a number of different systems to transfer money between banks. The traditional forms included RTGS, IMPS and NEFT. With the plethora of systems, rules and growing paper burden, there was a need for a unified system that could automate and standardise India’s payment platforms. In 2016, NPCI set out with a mandate to change the face of India’s payment systems. It developed the Unified Payments Interface (UPI) as an architecture framework with a set of standard Application Programming Interface (API) specifications to faci

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Kuriakose, Athul, and P. B. Sajoy. "Strategies and Challenges of Unified Payment Interface." Journal of Telecommunications and the Digital Economy 11, no. 4 (2023): 33–47. http://dx.doi.org/10.18080/jtde.v11n4.651.

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The Indian economy is gradually curtailing its overdependence on currency-based transactions and thereby moving closer to digital and mobile-based payment transactions. The main objective of the paper is to provide an in-depth theoretical understanding of the Unified Payments Interface (UPI), its current pace of growth and the possible future penetration based on polynomial trendline projection, the possible challenges that limit future penetration, and the various strategies to overcome these challenges. The paper used the previous six years’ UPI penetration statistics from 2016 to 2017 and e

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Dr.A.Shaji, George, George A.S.Hovan, Dr.T.Baskar, and Martin A.S.Gabrio. "An Overview of India's Unified Payments Interface (UPI): Benefits, Challenges, and Opportunities." Partners Universal International Research Journal (PUIRJ) ISSN: 2583-5602 02, no. 01 (2023): 16–23. https://doi.org/10.5281/zenodo.7723154.

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The Unified Payments Interface (UPI)[1] in India is a new kind of payment system that lets people send money quickly and safely. It is a single platform that enables people to make payments, receive payments, and pay bills. UPI has revolutionized how people make payments in India by making it simpler and faster. The UPI system also provides numerous benefits, such as convenience, safety, cost-effectiveness, and more. But the implementation of UPI has some problems, such as users not knowing enough about the system and security problems. Despite these challenges, UPI has immense potential to be

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15068336.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15331877.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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N Bharath. "A Study On Consumer Preference of Unified Payment Interface (Upi) With Reference to Chennai City." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 09–16. http://dx.doi.org/10.53422/jdms.2023.101602.

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This study aims to analyze consumer preferences towards the Unified Payment Interface (UPI) in Chennai city. Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India (NPCI). The interface facilitates inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions. It is used on mobile devices to instantly transfer funds between two bank accounts. The study was done with the quantitative research approach, and data was collected through a structured questionnaire from 100 respondents residing in Chennai city. The questio

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Kumar, S. Vijay, and Nayeema Unnisa. "A Study on UPI Transactions in India." International Journal of Advances in Business and Management Research 01, no. 03 (2024): 08–22. http://dx.doi.org/10.62674/ijabmr.2024.v1i03.002.

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The Unified Payment Interface (UPI) platform has been in use in India since 2016. The main implication of UPI is that it is helping people in multiple ways. It is not only supporting financial literacy but also contributing to financial inclusion and the economic development of the poor. Cashless payments have the potential to spur economic growth, and digital payments can have a positive impact on economic growth as they facilitate transactions, reduce costs, and improve efficiency. This study will explore the Unified Payment Interface (UPI) Ecosystem in India. It will study the trends and re

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Sharma, Shashank, and Narender Singh Chauhan. "Unlocking Unified Payment Interface (UPI): Exploring UPI Adoption and Usage among Generation Z." Journal of Management and entrepreneurship 18, no. 2 (2024): 91–98. https://doi.org/10.70906/20241802091098.

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The proliferation of Unified Payment Interface (UPI) has profoundly reshaped the digital payment ecosystem in India. UPI’s emergence has notably enhanced the convenience and accessibility of digital payments for millions across the nation, concurrently diminishing reliance on cash transactions. This article aims to investigate how various behavioural factors influence the behaviour intentions of Generation Z regarding the usage of UPI while also identifying the primary use cases of UPI for this demographic. Integrating an extended Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) m

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Harikrishnan, A. V. "A Study on Customer Preferences towards UPI Payments Over Cash with Special Reference to Chennai City." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 234–40. http://dx.doi.org/10.53422/jdms.2023.101630.

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The study aims at finding the preferences of customers on UPI payments over cash. The UPI or Unified Payment Interface is a digital payment system gateway that allows customers to transfer money from one bank account to another using smartphone and internet connectivity. Due to its ease and security features, UPI payments have recently experienced enormous growth in popularity in India. This study tries to comprehend the variables influencing consumer preference for UPI payments over cash and the preference for various UPI service providers available in the market and the factors influencing i

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Chette, Srinivas Yadav, and Mallesh Sidharla. "Comparative Study Between User and Non-user Behavior Towards Unified Payment Interface (UPI) & QR Payments in an Unorganized Retail Sector in India." KMICS Journal of Commerce and Management 1, no. 1 (2023): 1–16. http://dx.doi.org/10.62011/kmicsjcm.2023.1.1.5.

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This study is conducted with the objective to check the adaptation behavior toward Unified Payment Interface (UPI) & QR payments in the unorganized retail sector in India. Data was collected through structured questionnaires and schedules with help of 330 retailers of which 165 retailers were using Unified Payment Interface (UPI) & QR payments and 165 Non-Users. Data analysis was done through ANOVA, with help of 330 samples in the sector. The study has undertaken cross-tabulation to compare the relationship between users and non-users. The findings and implications are discussed.

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Chauhan, Yash, and Pramod Sharma. "Unified Payment Interface (UPI)- An innovation of India towards a Cashless Economy." Shanlax International Journal of Management 12, no. 4 (2025): 30–38. https://doi.org/10.34293/management.v12i4.8699.

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Demonetization had changed the perspectiveof consumers toward cash payments. After demonetization, the Indian Government has two objectives: to fulfill the demand for new currency created by the scrapping of the old currency and to promote digital payments. Digital Payments come into existence in the 1980s, it is not a new technology. Further, after demonetization government has pushed the adoption of digital payments. Also, the COVID-19 pandemic has accelerated the adoption of digital payments among consumers. This paper reviews the Unified Payment Interface (UPI) a new innovation of digital

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Vidhya, I. V., and C. Prem Sankar. "Consumer Perception towards Cashless Economy with Special Reference to Unified Payments Interface (UPI)." Shanlax International Journal of Economics 11, no. 2 (2023): 10–14. http://dx.doi.org/10.34293/economics.v11i2.6068.

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Cashless transactions are not new to India, and there are various ways for cashless transactions available to customers. A unified Payments Interface (UPI) is one of the fastest-growing digital payment systems through which users can send and receive money through a Virtual Payment Address (VPA). In 2021, UPI processed around 39 billion transactions totaling $940 billion, equivalent to 31% of India’s GDP. The study’s main objectives are to understand the unified payment system’s (UPI) growth and its progression over the years and to know consumer awareness, perception, and satisfaction towards

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Mishra, Dr Ravi. "A STUDY TO DIGITAL FINANCE TO UNDERSTAND THE FEASIBILITY OF USING BHIM UPI APPS." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04295.

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Abstract The rapid growth of digital finance in India has transformed payment systems, making transactions faster and more convenient. Among various digital payment platforms, BHIM UPI (Bharat Interface for Money - Unified Payments Interface) app has gained significant traction as a government-backed initiative to promote cashless payments. This study aims to assess the feasibility and acceptance of BHIM UPI apps among users, focusing on factors such as ease of use, security, accessibility, and transaction efficiency. Through a survey of users across different demographics, the research evalua

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Dr., Pradip Maheta. "UPI AND TRADITIONAL PAYMENT METHODS: EVALUATING EFFICIENCY, ACCESSIBILITY, AND USER ADOPTION." International Journal of E-Government & E-Business Research 10, no. 1 (2025): 07–18. https://doi.org/10.5281/zenodo.15347506.

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<strong>Abstract</strong> This paper compares the Unified Payments Interface (UPI) with traditional payment methods, analyzing their efficiency, accessibility, user adoption, and security. Introduced in India, UPI has transformed financial transactions through real-time processing and low costs. Traditional methods like cash, checks, and credit/debit cards are well-established but present challenges in processing times, fees, and physical handling. The study highlights UPI's speed and cost-effectiveness, contrasting its instantaneous transactions and minimal fees with the longer processing tim

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Dange, Vaibhav. "Electric Vehicle Charging Station with UPI Payment Service." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04027.

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Abstract:- This research paper presents the electric vehicles (EVs) gain popularity, the need for user-friendly and efficient charging infrastructure has become critical. Integrating Unified Payments Interface (UPI) with EV charging stations offers a seamless and secure payment option, making the charging process more accessible to a wider audience. UPI, a real-time payment system developed in India, allows users to transfer funds instantly between bank accounts using mobile applications, eliminating the need for cards or cash. This abstract explores the deployment of UPI- based payment system

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Dr., Archana Bhausaheb Hase. "Recent Development in Unified Payments Interface." Young Researcher S14, no. 1B (2025): 39–45. https://doi.org/10.5281/zenodo.14856677.

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<em>The Unified Payments Interface (UPI) has emerged as a transformative force in India’s digital payments sector, redefining financial transactions and strengthen financial inclusion. UPI’s hallmark lies in its excellent, secure, and interoperable platform facilitating instant money transfers across various bank accounts. This simplicity has not only minimize the dependency on cash but has also eliminated the complexities associated with traditional banking procedures, particularly benefiting unbanked and under-banked individuals</em> <em>The impact of UPI extends beyond basic tra

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S, BASAVESH, SATHVIK VH, and DR PARUL TANDAN. "The Impact of Unified Payment Interface (UPI) On Small Business: A Study with Reference to Bangalore City." International Scientific Journal of Engineering and Management 04, no. 07 (2025): 1–9. https://doi.org/10.55041/isjem04823.

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UPI, abbreviation for Unified Payment Interface is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. As of March 2019 there are 141 banks live on UPI with a monthly volume of 799.54 million transactions and a value of ₹1.334 trillion (US$19 billion). UPI witnessed 1,029.44 crore transactions till August 2019. The mobile-only payment system helped transact a total of ₹17.29-la

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Deshpande, Dr Madhura. "An Analytical Study of use of UPI Payment Gateways among Post Graduate students in PCMC." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41360.

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— This analytical study investigates the usage patterns, preferences, and perceptions surrounding the adoption of UPI (Unified Payments Interface) payment gateways among postgraduate students. With the rapid proliferation of digital payment solutions in India, understanding the dynamics of UPI adoption among this demographic group is crucial for promoting financial inclusion and driving the transition towards a cashless economy. The study employs a mixed-methods approach, combining quantitative surveys and qualitative interviews to gather comprehensive insights into postgraduate students' expe

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Kumar Kanujiya, Dr Punit, Shanti Mishra, and Dr Hargun Sahni. "Adoption Intentions Of Unified Payment Interface (UPI): An Empirical Study Using Extended UTAUT2 With Trust, Interoperability, And Observability." International Journal of Environmental Sciences 11, no. 10s (2025): 304–12. https://doi.org/10.64252/09j10843.

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In order to fulfil the demand for a smooth, effective, and inclusive payment system and to completely transform the digital payments environment, the Unified Payments Interface was established in India. UPI has registered 8,572 crore transactions in the current fiscal year as of December 11, 2023. It has been a major contributor to the rise of online payments in India, which represented 62% of these transactions in FY 2022–2023. Approximately 581 Indian banks were using the UPI as of April 2024. As of now, there fails to be a reliable study methodology for gauging user acceptance of UPI. Thus,

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J. Pritha, Ebenezer, and Packiathai J. Leelavathy. "A study on awareness and adoption of unified interface payments in city union bank." B-Digest (Journal of Commerce & Management) 16, no. 1 (2024): 15. http://dx.doi.org/10.26634/bdigest.16.1.20479.

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UPI stands for Unified Interface Payments, which is used as a payment gateway to send and receive funds from anywhere, anytime, to other verified UPI accounts or to bank accounts using the unique VPA allocated to the UPI account of City Union Bank. City Union Bank's UPI is known as BHIM CUB e-wallet UPI. VPA is the Virtual Payments Address allotted by providing a registered mobile number or the account number of a valid savings or current account, along with the IFSC code. UPI was initiated by the National Payments Corporation of India (NPCI) and is regulated by the Reserve Bank of India (RBI)

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Dhivya M, Balamourougane R, Nithin J, R Velu Raj. "Unified Payment Interface: A Unique Payment Interface in the Universe- Secondary Data Analysis." European Economic Letters (EEL) 13, no. 3 (2023): 1259–67. http://dx.doi.org/10.52783/eel.v13i3.423.

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The country's payment system has undergone numerous significant changes, thanks to the Unified Payment Interface (UPI), which has eventually spurred economic growth. Life has become easier with UPI's existence. It significantly accelerates India's transition to a cashless economy as it helps to protect the environment by going greener, to improve the quality of life by embracing technology, and to create more jobs that initiate open many FinTech and Startups that lead to economic sustainability. India serves as the poster child for instant payments and an epitome of how a concerted, widespread

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Muralidhara, S. V. "UPI Challenges and Direction in Fund Management with Special Reference Banking Sector." International Journal for Research in Applied Science and Engineering Technology 9, no. 12 (2021): 1588–93. http://dx.doi.org/10.22214/ijraset.2021.39592.

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Abstract: After demonetization, there was a massive requirement for currency notes, but the government was unable to provide the required quantity of currency notes, and also Indian government wanted to promote cashless transactions. UPI is built over Immediate Payment Service (IMPS) for transferring funds using Virtual Payment Address (a unique ID provided by the bank). Unified Payments Interface is a payment system launched by (NPCI), which is National Payments Corporation of India, and is regulated by the (RBI) Reserve Bank of India, which provides the facility of instant fund transfer betw

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Mandal, Dr Tirthankar. "Adoption of UPI and Implementation of UPI-ATM in India: A Logit Analysis." Indian Journal of Economics and Finance 3, no. 1 (2024): 52–59. http://dx.doi.org/10.54105/ijef.e7990.03010523.

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Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It was introduced to facilitate easy, quick, and secure online payments between banks. The Government of India is going to introduce UPI-ATM services after successful progress of UPI transaction. While challenges exist, such as limited digital literacy and connectivity issues, several factors have contributed to the adoption of UPI transactions. The present work finds the gap between rural and urban, male and female and technological knowledge and awareness in performi

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Dr., Tirthankar Mandal. "Adoption of UPI and Implementation of UPI-ATM in India: A Logit Analysis." Indian Journal of Economics and Finance (IJEF) 3, no. 1 (2024): 52–59. https://doi.org/10.54105/ijef.E7990.03010523.

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<strong>Abstract:</strong> Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It was introduced to facilitate easy, quick, and secure online payments between banks. The Government of India is going to introduce UPI-ATM services after successful progress of UPI transaction. While challenges exist, such as limited digital literacy and connectivity issues, several factors have contributed to the adoption of UPI transactions. The present work finds the gap between rural and urban, male and female and technological knowledg

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Roopa, P., B. Vijayalakshmi, and P. Nishitha. "UPI and Its Impact on Business Performance of Retailers." Smart Journal of Business Management Studies 21, no. 1 (2025): 38–50. https://doi.org/10.34293/2321-2012.2025.0001.4.

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This research proposes to examine the transformative impact of Unified Payments Interface (UPI) technology on retail transactions in India. With UPI rapidly gaining prominence, accounting for an estimated 90% of retail transactions within a mere five years, understanding its dynamics, benefits, and challenges becomes paramount. Through a descriptive study, focusing on small retailers in the Rayalaseema region of Andhra Pradesh, this research examined the demographic factors influencing digital payment adoption and the impact of UPI implementation on retailers. Data analysis, employing SPSS, in

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DEWANGAN1, ANKIT. "India's Digital Revolution: UPI, Payment Leaders, Future Insights Top of Form." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35670.

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In a county of snake to INDIA is on the moon. INDIA ’s massive growth has shocked the world. This research is based on the in-depth study of one of the greatest achievements of INDIA in digital payment through UPI (unified payment interface). The INDIA online payment sector is undergoing for reaching range is digital payment capturing a sizeable slice of take in recent year. The Reserve Bank of INDIA and its nodal agencies like NPCI are working hard to make digital payment INDIA goal reality nearly one billion card and more than 2 billion prepaid payment instrument such as online wallets mobil

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Saha, Poulami, and K. B. Kiran. "An Exploration of Trust as an Antecedent of Unified Payment Interface Usage." International Journal of Electronic Government Research 18, no. 1 (2022): 1–16. http://dx.doi.org/10.4018/ijegr.298627.

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Introduction of UPI has revolutionized the Indian banking system and since then dynamics of payment ecosystem has noted a major transformation. UPI has proved to be a boon in the pandemic situation by facilitating contactless and remote transactions. Thus it is crucial to study user acceptance of payments using UPI and factors influencing its usage. The present paper extended UTAUT3 (Unified Theory of Acceptance and Use of Technology) with an additional construct called 'trust'. Studies on behavioral intention are not rare. But behavioral intention towards UPI usage is not yet explored. What m

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Mahesh, A., and Bhat S. Ganesh. "A Systematic Review and Research Agenda of Digital Payment System with reference to Unified Payment Interface." International Journal of Management, Technology, and Social Sciences (IJMTS) 7, no. 2 (2023): 679–709. https://doi.org/10.5281/zenodo.7504169.

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<strong>Purpose: </strong><em>India is undergoing a significant transition from a cash-based economy to a cashless or less-cash one. The smartphone and internet adoption paved the way for technological acceptability in many sectors, including money usage. Economic transactions are carried out using an electronic medium. Among the several e-payment options over the last five years, the Unified Payment Interface (UPI) has grown dramatically. Payment is one facet of a country's financial inclusion. The current study intends to provide a thorough evaluation of the literature on digital payment

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Bhadra, Subhajit, Saba Naaz, and Dr. Raktim Ghosh. "The E-Payment Trajectory during the Pandemic – The Case of India." Management Journal for Advanced Research 3, no. 1 (2023): 21–25. http://dx.doi.org/10.54741/mjar.3.1.4.

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This study empirically investigates how the different e-payment methods performed during the pandemic as an alternative medium to the traditional mode of payment. E-payment methods namely Real Time Gross Settlement (RTGS), National Electronic Fund Transfer (NEFT), Aadhaar Enabled Payment System (AEPS), Unified Payments Interface (UPI), and Immediate Payment Service (IMPS) are considered from June 1, 2020, to November 30, 2021, when the global pandemic was at its peak. Secondary daily data are considered in this study collected from the RBI database which was converted into corresponding log na

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Sadaf, Rimsha, and Dr R.Manivanna. "ENHANCEDDETECTIONOFFRAUDINUNIFIEDPAYMENTSINTERFACE(UPI) TRANSACTIONS USING GRADIENT BOOSTING METHOD." International Journal of Interpreting Enigma Engineers 02, no. 02 (2025): 10–23. https://doi.org/10.62674/ijiee.2025.v2i02.002.

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The widespread use of the Unified Payments Interface (UPI), which allows for smooth real-time transactions, has significantly changed digital payment systems.However, this growth has also led to a surge in fraudulent activities. This study presents an advanced fraud detection model based on the Gradient Boosting algorithm, renowned for its superior classification performance on imbalanced datasets. The model leverages advanced feature engineering to extract transactional, behavioral, and temporal features from real-world UPI transaction data. The model achieves a high predicted accuracy of 98.

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CHHABRA, TANVEER SINGH. "A Basic Study of UPI App Users and Their Satisfaction." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04203.

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Abstract: Unified Payments Interface (UPI) has revolutionized digital transactions in India by enabling fast, secure, and interoperable payments. This study aims to explore user demographics, usage patterns, and satisfaction levels associated with UPI applications. A survey-based methodology was adopted to gather primary data from 150 respondents. Results indicate high satisfaction levels driven by ease of use, transaction speed, and 24/7 availability. However, concerns remain regarding security and occasional transaction failures. The study concludes with recommendations for improving user ex

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Kaur, Simran, Himanshu Mishra, and Anuj Goyal. "Cyber-Security in UPI Payments." International Journal for Research in Applied Science and Engineering Technology 11, no. 5 (2023): 4955–58. http://dx.doi.org/10.22214/ijraset.2023.52175.

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Abstract: Unified Payments Interface (UPI) is an innovative online banking system. Made inIndia has reached the peak of popularity ina short time wingspan. Growth in UPI alsoleads to higher data frequencies violate. Social engineering attacks are India's biggest security risk encountered duringconfinement (lockdown). Users of the Unified Payment Interface are Cyber criminals are easily enticed. These fraudsare not due to default in the UPI systems or interfaces, but are tactics to deceive customers. By the way of phishing, vishing, or smishing. Social engineering attack techniques are planned

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Prashant, Itnal. "From Cash to UPI: A Detailed Study on Changing Consumer Payment Behaviour in India (A transition in payment method with reference to Bengaluru city)." Journal of Research and Review in Digital Marketing and Communications 1, no. 2 (2024): 77–84. https://doi.org/10.5281/zenodo.14065556.

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<em>This study aims in analysing the various aspects like the consumer behaviour towards UPI payment that are living in Bengaluru city. Unified Payment Interface (UPI) is a real time payment interface introduced by National Payment Corporation of India (NPCI) through which users can transfer money from one account to another account through phone by linking their phone number. Covid-19 pandemic was the time when the count of user sky-rocketed and cash payment was dominated by digital payment system. The study here explores various aspects like the proportion of different payment modes used and

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Rupani, Raaizan, Aryan Qureshi, and Sweta Kumari. "Consumer’s Perception towards Online Banking Services." International Journal of Finance Research 4, no. 1 (2023): 1–12. http://dx.doi.org/10.47747/ijfr.v4i1.974.

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In order to determine whether consumers would continue to use the Unified Payment Interface (UPI) for electronic payments, this study looks at the impact of consumer resistance-related issues. The findings suggest that privacy concerns and usage barriers are the two crucial factors to be addressed to break down consumer resistance towards continuing usage of UPI. It also covers consumer behavior, and the entire study is primarily oriented toward existing UPI customers. The basics, such as the workings of UPI and customer concerns, are explained in detail. Multiple Regression Analysis revealed

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Raaizan, Rupani, Qureshi Aryan, and Sweta Kumari Dr. "Consumer's Perception towards Online Banking Services." International Journal of Innovative Science and Research Technology 7, no. 12 (2022): 288–94. https://doi.org/10.5281/zenodo.7479033.

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In order to determine whether consumers would continue to use the Unified Payment Interface (UPI) for electronic payments, this study looks at the impact of consumer resistance-related issues. The findings suggest that privacy concerns and usage barriers are the two crucial factors to be addressed to break down consumer resistance towards continuing usage of UPI. It also covers consumer behavior, and the entire study is primarily oriented toward existing UPI customers. The basics, such as the workings of UPI and customer concerns, are explained in detail. Multiple Regression Analysis revealed

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Anute, Nilesh, Gaurav Tyagi, and Hrishikesh Jagadale. "A study on digital payment applications in India." Journal of Management Research and Analysis 9, no. 3 (2022): 150–56. http://dx.doi.org/10.18231/j.jmra.2022.028.

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This Research Paper is based on the in-depth study of applications that deals with Unified Payment Interface (UPI) in India. It shows how the dynamics are changing in the UPI sector and which companies are leading the table. The study was conducted in Pune Region and the survey was done with the help of questionnaire. A response of 82 respondents has been collected and then accordingly a conclusion is made. The Data for the study was also conducted from secondary sources which eventually helped us to get a fair understanding of the Industry. In today’s world one word is common that is “Digital

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Mohapatra, Somanjoli. "Unified Payment Interface (UPI): A Cashless Indian e-Transaction Process." International Journal of Applied Science and Engineering 5, no. 1 (2017): 29. http://dx.doi.org/10.5958/2322-0465.2017.00004.1.

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Sahu, Akshaya Kumar, Dasarathi Sahu, and Debananda Patra. "An Empirical study of Unified Payment Interface (UPI) in Indian Digital Payment System." Parikalpana: KIIT Journal of Management 19, no. 2 (2023): 236. http://dx.doi.org/10.23862/kiit-parikalpana/2023/v19/i2/223477.

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Vaishali Solanki. "Sustainable Digital Payments: Examining Unified Payment Interfaces (UPI) Adoption Among Generation X." Journal of Information Systems Engineering and Management 10, no. 54s (2025): 547–58. https://doi.org/10.52783/jisem.v10i54s.11141.

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Growth in the Indian economy and rising standards of living have made space for new technologies in Indians life, contributing to the evolution of a variety of technology-based solution. Digital payments, like UPI are helping to ease the liquidity shortage as mobile payments has become the most common payment method for digital transactions in India, for peer-to-peer transactions. However, for generation X, adopting new technology might be challenging, in urban areas of India, where digital transactions are on the rise. Additionally, sustainability is relatively a new trend in the financial wo

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Mukhopadhyay, Ms Nibedita, and Dr Mahadeb Mukhopadhyay. "UPI FRAUDS A STUDY ON UPI USAGE, AWARENESS AND IMPACT IN INDIA." International Journal of Research in Commerce and Management Studies 06, no. 06 (2024): 179–97. https://doi.org/10.38193/ijrcms.2024.6616.

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UPI, Unified payments Interface is a way of life in Digital India era beginning as a Green Initiative by RBI in 2016. Since its introduction the users are growing increasingly, and the number of frauds is also rising greatly. The big claims regarding absolute safety of UPI transactions by the third-party payment how much effective is the two-factor authentication feature of UPI in maintaining safety of the transactions is the concern of our study. Threat of fraud is definitely one of the factors affecting UPI usage and so our study tries to find out the relationship between adoption of UPI and

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Kashan, Usmani*. "Digital Payments in India: The Rise of UPI, Decline of Cash, and Emerging Challenges." International Journal of Scientific Research and Technology 2, no. 6 (2025): 172–78. https://doi.org/10.5281/zenodo.15585621.

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The digital payment ecosystem in India has rapidly changed, especially since mobile wallets and the Unified Payments Interface (UPI) were introduced. The drivers, adoption trends, and difficulties associated with digital payments are all examined in this study, which explores the behavioural shift away from cash to digital transactions. The results of a mixed methods study that combined secondary data with a survey of 55 participants indicate that UPI has taken the lead as a platform because of its user-centric design, speed, and security. Although wallets continue to be relevant in certain ni

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Scaria, Jithin. "The Impact of UPI Payments on Spending Habits and Financial Literacy Among Youth in Wayanad District." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem42600.

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India has witnessed a significant transformation in its financial ecosystem with the rapid adoption of digital payment systems. Unified Payments Interface (UPI) has emerged as a game-changer in financial transactions, particularly among the youth. This study examines the influence of UPI payments on spending behavior and financial literacy among the youth in Wayanad district, Kerala. The research employs a descriptive design with a quantitative approach, utilizing primary data from structured questionnaires. The findings reveal that while UPI has enhanced convenience and financial inclusion, i

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Sandra, Sabu. T., N.A Namitha, Abraham Sneha, and Xavier Liya. "A Study on the Effect of Unified Payment Interface (Upi) Among Youngsters - With Reference To Cochin Corporation, Kerala." 'Journal of Research & Development' 15, no. 1 (2023): 80–85. https://doi.org/10.5281/zenodo.7593900.

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The outbreak of Covid-19 has spotlighted the problem of direct cash payments. It supported the increased use of UPI system among the youngsters to avoid direct contact and focus on contactless payments which is supported by most of the banking institutions and our government to control our pandemic situation. The main objective of this study is to understand the effect of UPI on youngsters with special reference Cochin Corporation in Kerala. A wide range of applications like WhatsApp pay, Paytm, Google pay, Phone Pe etc. gained importance and recognition. Also, it reduced the problem of direct

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Sakhiya, Krishna, Dev Lakhtariya, and Jignesh Vidani. "A Study on Consumer Preference of UPI With Reference to Ahmedabad City." International Journal of Integrative Sciences 3, no. 10 (2024): 1119–38. http://dx.doi.org/10.55927/ijis.v3i10.11980.

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This study investigates the associations between age and preferences for various payment methods, particularly focusing on Unified Payments Interface (UPI). Utilizing a quantitative approach, we tested multiple alternative hypotheses to explore how age influences payment preferences and perceptions. Results indicate that younger consumers tend to favor UPI due to its convenience, while older adults exhibit a preference for traditional payment methods such as debit and credit cards. Concerns about security and usability are notably more pronounced among older users, suggesting the need for tail

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Raghavendra, Vijith, and Pundikala Veeresha. "Analysing the market for digital payments in India using the predator-prey mode." An International Journal of Optimization and Control: Theories & Applications (IJOCTA) 13, no. 1 (2023): 104–15. http://dx.doi.org/10.11121/ijocta.2023.1306.

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Technology has revolutionized the way transactions are carried out in economies across the world. India too has witnessed the introduction of numerous modes of electronic payment in the past couple of decades, including e-banking services, National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS) and most recently the Unified Payments Interface (UPI). While other payment mechanisms have witnessed a gradual and consistent increase in the volume of transactions, UPI has witnessed an exponential increase in usage and is almost on par with pre-existing technologies in the volume

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M, Dinesh Kumar. "AN ANALYSIS OF UNIFIED PAYMENTS INTERFACE (UPI): PAYER AND PAYEE PSP PERFORMANCE, UPI APPS, AND P2P AND P2M TRANSACTION TRENDS IN INDIA." ICTACT Journal on Management Studies 11, no. 1 (2025): 2054–61. https://doi.org/10.21917/ijms.2025.0318.

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This study investigates the Unified Payments Interface (UPI) ecosystem in India from October 2022 to October 2024, focusing on UPI Payer and Payee Payment Service Provider (PSP) performance, UPI apps, and P2P (Peer-to-Peer) and P2M (Peer-to-Merchant) transactions. Using a mixed-methods approach, quantitative data from official sources like NPCI and RBI reports provides insights into transaction volumes, values, and trends across various PSPs and UPI apps. The study also explores factors influencing UPI growth, such as digital literacy and financial inclusion, using regression analysis. The res

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