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@article{210260,
        author = {Koustub Srivastava and Dr. Ravikiran R. Garje},
        title = {Behavioural Determinants of Digital Payment Adoption in India: An Analysis},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {6},
        pages = {256-262},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=210260},
        abstract = {Digital payment systems have expanded rapidly in India which has significantly transformed consumer behaviour and financial transaction patterns in their daily life. The increasing use of the Unified Payments Interface (UPI), mobile wallets, and internet banking has made financial transactions faster, easier, and more accessible which has encouraged a shift from traditional cash-based methods. The study examines the major determinants of digital payment adoption and their influence on consumer behaviour in India. Consumer behaviour is influenced by factors like convenience, ease of use, safety and security considerations, trust, accessibility and demographic boundaries. The study lays significant emphasises on strengthening digital financial literacy and improving fraud protection mechanisms supported by prudent regulatory measures by policymakers, financial institutions, and payment service providers.},
        keywords = {Consumer Behaviour, Digital Payments, Digital Financial Literacy, Fraud Protection, Cyber Security},
        month = {November},
        }