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This is a Quantitative Study study.

Consumer awareness, behavior and attitude towards Unified Payment Interface (UPI)

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Moderate consumer awareness of UPI was identified, with an average score of 3.52 out of 5.
Gender significantly influences usage behavior, with a t-value of 2.66 indicating strong differences.
Only 18% of the variance in behavior can be explained by consumer attitudes towards UPI.
Findings suggest a vital need for enhancing financial literacy and security to improve UPI adoption.

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Descriptive analysis reveals moderate consumer awareness of UPI, highlighting the influence of gender on usage behavior.

Mishra et al. (2025) studied this question.

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