Paper Details

Name: R.SELVARAJU
Country: India

Year: 2026
Volume: Volume No: 13, Issue: 1, Year: 2026
Page Number: 25-35
DOI: https://doi.org/10.5281/zenodo.18490580

ABSTRACT
The growth of the rate of informational and communication technologies development has influenced the financial environment in the world greatly. Digital payment system has managed to enter as an easy, efficient and safe solution to the ancient cash-based transactions. The primary objective of this study is to examine public awareness and perception towards the usage of digital payment systems. It also aims to analyze the factors influencing adoption, assess variations across demographic groups, and identify key challenges affecting the acceptance and effective use of digital payment platforms. A sample of 100 respondents was selected using the simple random sampling technique, ensuring that each individual had an equal chance of being included in the study. Primary data were collected through a structured questionnaire designed to measure key factors such as perceived usefulness, trust, security, digital literacy, infrastructure availability, and government support. The awareness and
perception of the community towards the usage of digital payment systems are discussed in this article including the factors that influence their adoption; the perceived positive effect, challenges, and trusts in the usage. The findings of secondary literature and conceptual analysis, the study sees the growing awareness of the population and the favorable attitude to convenience, speed, and the existence of the concerns of security, privacy, and digital literacy. The outcomes point to the significance of the necessity of the presence of awareness campaigns, efficient security systems, and integrative digital infrastructure to ensure the sustainable adoption of digital payment systems.

Keywords: Digital payments, public awareness, perception, cashless economy, financial
technology and consumer behavior.