A Study of Students’ Awareness and Utilisation of UPI Payment Applications

The rapid growth of digital technology has significantly transformed the payment system in India. Unified Payments Interface (UPI) has emerged as one of the most widely used digital payment methods due to its convenience, speed, and accessibility. The present study aims to examine the level of awareness and utilization of UPI payment applications among students. The research focuses on understanding how frequently students use UPI applications and the factors influencing their adoption. Primary data for the study was collected through a structured questionnaire distributed among students using Google Forms. A total of 54 responses were collected and analyzed using percentage analysis and graphical representations such as pie charts and bar graphs. The results indicate that a majority of students are highly aware of UPI payment applications and frequently use them for everyday transactions such as bill payments, online shopping, and peer-to-peer transfers. The findings suggest that convenience, speed, and ease of use are the major reasons behind the widespread adoption of UPI payment applications among students.