October 13, 2025Open Access

Digital Payment System in India: Trends, Issues and Challenges

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India's digital payment system has seen significant growth, driven by initiatives like UPI and the JAM trilogy.
Cyber security remains a major challenge, affecting the overall trust in digital transactions.
Emerging technologies such as biometrics and AI are expected to shape the future of digital transactions by 2025.
Effective regulatory structures and strategies are essential for inclusive growth in India's digital economy.

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The research analyzes trends in digital payment systems, highlighting issues like cyber security and digital literacy.

Ajay Vikram Singh (2025) studied this question.

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