Observational analysis identifies security measures and challenges affecting UPI usage behaviour in rural households, suggesting improvements are needed.
India has seen a breakthrough in digital payments because of the Unified Payments Interface (UPI). Its rapid transfer capabilities and ease of usage have fueled widespread popularity. Security issues have surfaced as a result of this tremendous expansion. To guarantee a safe future for UPI, this study investigates two key drivers: security measures and UPI challenges. This paper depicts rural households' concerns about the security aspects of UPI usage and its challenges in the Palakkad district of Kerala. A structured schedule was followed to collect primary data from 400 rural households of the Palakkad district of Kerala. The responses are analysed using statistical tools such as regression, one-way ANOVA, mean, and standard deviation executed through the Statistical Package for Social Sciences, and the output disclosed that the most adversely affecting factor on usage behaviour of rural households is the usage barrier, and the security properties are significantly positively influencing the usage behaviour of rural households. The results support reducing the glitches in the usage behaviour of UPI among rural households and improvisation of security properties to extend the UPI services.
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Geetha et al. (2025) studied this question.
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