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@article{184178,
        author = {S Anithakumari and Dr S Kousalya Devi},
        title = {A CASE STUDY OF GOOGLE PAY, PHONEPE, PAYTM: A COMPARATIVE ANALYSIS OF FEATURES IN TOP INDIAN ONLINE PAYMENT APPS WITH THE STUDENT COMMUNITY IN TIRUPUR},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {4},
        pages = {307-311},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=184178},
        abstract = {Nothing is possible these days without the internet. Every day, everyone relies on the internet for a variety of sources. Digital payments in this situation are totally dependent on the internet. Every need and desire is entirely dependent on online payments. Numerous digital payment applications are available on the UPI (Unified Payment Interface) platform. However, we only covered Google Pay, PhonePe, and Paytm in this analysis.
For the data source, both primary and secondary data were gathered. 75 individuals completed an online survey that was used to gather primary data. College students are the only participants in this study. According to the findings, students choose Google Pay over Paytm as their app of choice. Google Pay has a very high user interface score for usability and simplicity. Paytm has received little customer feedback, whereas PhonePe offers superior services. PhonePe outperforms Google Pay in terms of incentives and offers. Google Pay only offers scratch cards, whereas PhonePe members regularly earn cash back and discounts. When it comes to security and student trust, Google Pay is superior. Students don't utilize PhonePe and Paytm too often because of their transactional problems. Google Pay only offers scratch cards, whereas PhonePe members regularly earn cash back and discounts. When it comes to security and student trust, Google Pay is superior. Students don't utilize PhonePe and Paytm too often because of their transactional problems. According to suggestions from classmates or roommates, almost 60% of students only use their online payment application. Additionally, depending on the kind of transaction or the availability of an offer, almost 25% of students used multiple payment apps.
Only scratch cards are available with Google Pay, however PhonePe members frequently receive discounts and cash back. Google Pay is better in terms of security and student confidence. Due to its transactional issues, students don't use PhonePe and Paytm very frequently. Nearly 60% of students solely utilize their online payment app, based on recommendations from peers or roommates. Additionally, nearly 25% of students utilized different payment applications, depending on the type of transaction or the availability of an offer.},
        keywords = {Google Pay, PhonePe, Paytm, UPI (Unified Payments Interface), Digital Payment App Preference, User Experience, Cash back, Peer Influence, Trust & Security},
        month = {September},
        }