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This study aims to evaluate how the Unified Payments Interface (UPI) promotes financial inclusion in India.

May 16, 2026Open Access

Role of Digital Payment Systems in Promoting Financial Inclusion in India.

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This study aims to evaluate how the Unified Payments Interface (UPI) promotes financial inclusion in India.
Descriptive and analytical design
Primary data collected from a structured questionnaire given to 80 UPI users across various demographics
Data analyzed using simple statistical methods like percentage analysis and tables.
UPI is widely used, with high user awareness and satisfaction, especially among merchants and for small-value purchases.
A notable reduction in cash dependency was observed after UPI adoption, promoting cashless transactions.
Challenges reported include network issues, transaction failures, and security concerns, highlighting areas for improvement.

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Randomized trial examines the effects of UPI on financial inclusion in India, suggesting significant benefits and challenges.

Shashwat Tripathi (2026) studied this question.

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