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@article{207487,
        author = {Paul Simon and BAGALI AMBREEN},
        title = {A STUDY ON THE IMPACT OF UPI ON CASHLESS TRANSACTIONS},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {3},
        pages = {1687-1694},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=207487},
        abstract = {This study examines the impact of the Unified Payments Interface (UPI) on cashless transactions in India. It focuses on consumer awareness, usage patterns, satisfaction, and the factors influencing UPI adoption. The findings show that UPI has made digital payments faster, easier, and more convenient for users. It has also reduced dependence on cash and encouraged the growth of cashless transactions. However, challenges such as cyber fraud, internet connectivity, and digital literacy still affect its usage. Overall, the study concludes that UPI has played a significant role in strengthening India's digital payment system.},
        keywords = {},
        month = {August},
        }