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@article{179788,
        author = {Ravi Chavan and Vaishnavi D Pagade and Laxman Pawar},
        title = {A Study on impact of digital payment with special reference to youths in Bagalkot},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {8403-8406},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=179788},
        abstract = {Today’s world is moving quickly towards 
using digital payment methods, especially digital 
wallets that offer coupons and discounts. Mobile 
payment (E-payment) systems have become popular, 
allowing people to pay for things using their mobile 
phones anytime and anywhere. This study explores 
that impact of digital payments among youths, 
focusing on awareness, usage patterns, benefits, and 
challenges. Based on a survey of 100 respondents aged 
18–35, findings reveal that 97% are aware of digital 
payment systems, with UPI being the most preferred 
method. A majority of people use digital payments 
daily, convenience and speed as key drivers. However, 
challenges such as technical issues, security concerns, 
and difficulties in fraud recovery persist. Statistical 
analysis confirms a positive relationship between 
youth and digital payment adoption, while also 
highlighting significant security concerns. The study 
suggests improving security features and user 
education to enhance trust and usage.},
        keywords = {},
        month = {May},
        }