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Vijaya Kumar

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Open access Aug 2026

Digital Payment Adoption and Consumer Spending Behaviour in India: Evidence from UPI Growth, Convenience and Trust (2020–2026)

Abstract The rapid expansion of digital payments has altered the way consumers purchase goods and services in India. Among the available digital payment instruments, the Unified Payments Interface (UPI) has become particularly important because it combines real-time settlement, interoperability, mobile accessibility an...

Vijaya Kumar · 0 citations

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