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@article{190223,
        author = {Ms. Shital Kamleshbhai Shah},
        title = {Shaping Minds, Shaping the Future: A Study on UPI Usage Patterns, Security Trends and User Demographics in Digital India},
        journal = {International Journal of Innovative Research in Technology},
        year = {},
        volume = {12},
        number = {no},
        pages = {117-122},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190223},
        abstract = {India’s digital transformation has reshaped financial behavior, technological interaction and socio economic participation. The National Payments Corporation of India (NPCI) introduced the Unified Payments Interface (UPI), which has been a major driver of this change in how people view and utilize digital financial services. This paper, based entirely on secondary data, explores how UPI contributes to shaping minds—through building digital awareness, financial responsibility and cyber security consciousness—and shaping the future by fostering a technologically confident and financially empowered population. The study looks at UPI usage patterns, demographic trends and security advancements from a national perspective using data from NPCI monthly bulletins, the Reserve Bank of India (RBI) annual reports, Digital India documents and peer-reviewed academic publications. 
Results show that UPI use is growing exponentially, with transaction volumes more than doubling between 2018 and 2024. Young persons between the ages of 18 and 35 are the demographic group that uses UPI the most, however adoption among women, rural users and small company owners is gradually increasing. Trust in digital payments has been further reinforced by improved security measures, such as multi-factor authentication, AI-enabled fraud detection and public awareness campaigns. The paper concludes that UPI’s integration into daily life supports the creation of a digitally empowered society aligned with India’s vision for a cashless, future ready economy. The implications suggest that digital financial literacy should be incorporated into educational curricula to strengthen digital competence among future generations.},
        keywords = {UPI, digital literacy, shaping minds, shaping future, digital empowerment, Digital India,},
        month = {},
        }