“A Study of Factors Influencing Adoption and Usage of BHIM UPI as a mode of Digital Payment”

The Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy. “Faceless, Paperless, Cashless” is one of professed role of Digital India. There are many modes of digital payment like debit/credit card, Net Banking, USSD, Aadhar Enabled payment system (AEPS), Mobile banking BHIM UPI etc. are available for making cashless transactions. Digital transaction through BHIM UPI received a major preference by customer now days for making cashless transactions. The aim of present study is to make focus on customer attitude toward adoption and usage digital payment mode in India specific reference BHIM app. Study also makes focuses on challenges or problems faces by customers while using digital payment mode like BHIM UPI for making digital transactions.