Paper Details

Name: Avitha Maria Quadras
Country: India

Year: 2025
Volume: Volume-12, Issue-2 (July-December)
Page Number: 655-659
DOI: https://doi.org/10.5281/zenodo.23683258

Digital payment systems have become an increasingly visible part of everyday financial activity in India. This study examines awareness, usage preferences, perceived benefits and problems associated with digital payments among youth in Belthangady Taluk, Dakshina Kannada district. The study uses a descriptive research design and reports questionnaire-based survey results for 76 respondents. The findings indicate that 89.5% of respondents were aware of digital payment applications, while 65.8% reported frequent use. UPI/G-Pay was the most commonly reported payment option (76.3%), and convenience or ease of carrying was the leading reason for preference (71.1%). At the same time, 63.2% reported having experienced problems while making digital payments, with network issues prominent in the responses. Although 64.5% said they knew how to resolve payment-related problems, more than one-third did not. The study recommends focused digital-literacy programmes, clearer grievance-redressal guidance and improvements in reliable connectivity and transaction support.

Keywords: Digital payments, youth, digital literacy, UPI, rural consumers, Belthangady Taluk