International Journal of Scientific Research and Engineering Development

Growth in internet penetration, smartphone adoption, and government-led initiatives such as Digital India has significantly accelerated digital payment usage in India. Digital payments refer to electronic consumer transactions conducted through mobile banking, internet banking, UPI, and card-based systems. This study examines the relationship between ease of use, security, promotional incentives, consumer satisfaction, and consumer behaviour associated with digital payment systems. Results indicate strong associations among these variables, with security and trust emerging as the strongest predictors of consumer behaviour. Ease of use and promotional features show positive perceptions but do not significantly predict behavioural outcomes. The findings highlight that trust and satisfaction are central to long-term adoption of digital payments.