Paper Details

Name: N. Renuka, S. Jayasuriya & M. M. Vishnu
Country: India

Year: 2026
Volume: Volume No: 13, Issue: 1, Year: 2026
Page Number: 200-203
DOI: https://doi.org/10.5281/zenodo.19812808

ABSTRACT
The rapid expansion of digital payment systems in India, driven by the introduction of
Unified Payments Interface (UPI), has significantly transformed the financial ecosystem.
While younger populations have adapted quickly to UPI platforms, the adoption rate among senior citizens remains relatively low. This study explores the level of digital payment literacy among senior citizens, their awareness and perceptions of UPI apps, and the key barriers hindering their adoption. Using primary data collected through structured questionnaires, this research identifies gaps in digital financial literacy, security concerns, and usability challenges. The study also offers strategic recommendations to enhance digital inclusion for senior citizens, promoting their confident participation in India’s growing digital economy.

Keywords: UPI Apps, Senior Citizens, Digital Payment Literacy, Financial Inclusion,
Digital Adoption, Cashless Economy.