Copyright © 2025 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{169239,
        author = {PRAKASH K and NAVEEN S and SUNIL S},
        title = {E-PAYMENT: A CASE STUDY OF UNIFIED PAYMENT INTERFACE},
        journal = {International Journal of Innovative Research in Technology},
        year = {2024},
        volume = {5},
        number = {11},
        pages = {772-776},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=169239},
        abstract = {Demonetization and the Digital India initiatives, the Indian banking industry has been working hard to make digital payments more widely accepted. In order to achieve paperless and cashless economy, the Unified Payment Interface (UPI) presents a potentially groundbreaking method for transferring money through a virtual payment address created by the National Payment Corporation of India (NPCI). Therefore, it is essential to evaluate its capacity to aid in the attainment of a digital economy. The use of mobile payment facilities by smartphone users, financial institutions, and especially banks has been facilitated by the proliferation of smartphones, technological advancements, and efficient internet communications. This paper aims to analyze the growth and development of the Unified Payment System (UPI) in retail digital payments over time. The research was conducted by examining various secondary data sources. Research has shown that the expansion of digital payments has risen notably, particularly within the retail payment industry utilizing the UPI platform.},
        keywords = {Digital India, Retail Payment, UPI, NPCI and Retail digital payments},
        month = {November},
        }