Keywords : UPI(Unified payment interface), digital inclusion, females, financial empowerment.

Abstract : The rise of digital payment systems has revolutionized financial transactions in India, promoting ease, efficiency, and accessibility. Unified Payments Interface (UPI), as a key driver of this transformation, has played a significant role in enhancing digital financial inclusion across various demographics. This study examines the adoption and usage of UPI among females in Junagadh, Gujarat, based on data collected from 125 respondents across different areas using a structured questionnaire. The research focuses on identifying key factors influencing UPI adoption, evaluating satisfaction levels, and uncovering challenges faced by females in using digital payment systems. The findings reveal that socio-economic status, digital literacy, perceived ease of use, and trust in digital payments significantly affect UPI adoption among females. While a majority of respondents expressed satisfaction with the convenience and speed of UPI transactions, challenges such as inadequate digital literacy, technical issues, and concerns over cybersecurity were highlighted. The study emphasizes the need for targeted awareness campaigns and training programs to address these barriers and enhance women`s participation in digital payment systems. By offering insights into the behavioral patterns and obstacles faced by females in adopting UPI, this research contributes to the broader understanding of financial empowerment and digital inclusion in semi-urban and rural areas of India.

Download