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The study examines how UPI transforms financial access and inclusion for various demographics in India.

February 28, 2026Open Access

A Study on the Role of Upi in the Digital Payment Ecosystem & Its Impact on Financial Inclusion

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The study examines how UPI transforms financial access and inclusion for various demographics in India.
Analyzed UPI's growth and adoption across demographics
Investigated the impact of UPI on banking access and digital literacy
Examined challenges faced by UPI users, including security and connectivity issues
Findings indicate that a significant number of UPI users are young adults
Notable usage growth in rural areas alongside urban settings
Identified challenges such as security concerns and internet connectivity issues affecting user experience.

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This research explores UPI's influence on financial inclusion in India, highlighting its benefits and challenges.

Pratiksha Singh (2026) studied this question.

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