• K Sunny Kumar
• Ishita Mehrotra
• Dr K.A. Asraar Ahmed

Purpose – The aim of this research paper is to investigate the factors that influence the acceptance and popularity of digital wallets and mobile payment apps in India, specifically with regard to leading wallet brands such as Paytm, PhonePe, Google Pay, and Amazon Pay. Methodology – The descriptive study focuses on primary data collected through a standardized questionnaire from 160 respondents in Bengaluru's sub-urban area, who were chosen using a convenience sampling method with no probability. The collected data was converted into a data matrix and inferential tests were performed using SPSS 23.0 software. Findings – Digital payment wallets/apps are becoming more popular as a result of factors such as attractive cashback and rewards, ease of use, fast money transfers without using cash, higher transaction security, and the lack of a service charge, habit and expected performance. Research limitations: The research is limited to a sub-urban area of Bengaluru, Karnataka. The scope of study can be further increased by collecting more samples from different part of the country. Originality/value: This research paper gives insights into the factors influencing acceptance and use of various digital payment apps in context of India with help of primary data interpretation.

Digital payment systems, digital wallets, e-wallets, and mobile wallets are all terms used to describe digital payment systems.

"“Determinants of digital/mobile payment services adoption in India”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 7, page no.f845-f857, July-2021, Available :http://www.jetir.org/papers/JETIR2107718.pdf

"“Determinants of digital/mobile payment services adoption in India”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 7, page no. ppf845-f857, July-2021, Available at : http://www.jetir.org/papers/JETIR2107718.pdf