• Suhail
• Vishnuraj K
• Rupesh Kumar Gochhayat
• Zarreen Khan

This study explores the perceptions of street vendors in Phagwara, Punjab, regarding Unified Payments Interface (UPI) adoption and its impact on their businesses. Utilizing a quantitative research approach with a sample of 200 respondents, the study analyzes demographic factors, satisfaction levels, perceived risks, and preferences related to UPI payments. The findings reveal a positive attitude towards UPI among street vendors, particularly those aged 40-50 and individuals with secondary education. Female vendors also show potential for increased UPI adoption. However, concerns such as connectivity issues, perceived risks, and privacy remain significant barriers. The study recommends tailored interventions, education campaigns, infrastructure upgrades, and collaborative efforts to enhance UPI adoption and address vendor concerns effectively.

Unified Payments Interface (UPI), street vendors, digital payments, financial transactions, perceptions, adoption, satisfaction, barriers, connectivity issues, demographic factors.

"A Study on the perception of street vendors towards UPI payment in Phagwara town of Punjab", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 4, page no.l582-l597, April-2024, Available :http://www.jetir.org/papers/JETIR2404B77.pdf

"A Study on the perception of street vendors towards UPI payment in Phagwara town of Punjab", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 4, page no. ppl582-l597, April-2024, Available at : http://www.jetir.org/papers/JETIR2404B77.pdf