1) The document discusses a research project on measuring customer satisfaction with Google Pay. It provides background on digital payments in India and how Google Pay works as a digital wallet. 2) The literature review covers previous research on emerging digital payment methods and their impact on businesses and customers. This includes studies on the growth of mobile wallets and a comparison of strategies between Paytm and Free Charge. 3) The conclusion finds that most students and people prefer digital payments for convenience. While Google Pay is popular and provides financial inclusion, it lacks some security features compared to competitors.

1. BRM Project
Topic -
Name – Harshita Avinash Kasat
Std – SYBMS Finance
Roll No – 52
Sub – Business Research Methods
Professor Name – Urmila Shetve
Academic Year – 2021-2022

2. Introduction
 The digital payment has changed the buying behavior of Indian society. It prevents
black money market. It helps the government to maintain a record of all transaction.
Digital Payment Habit has changed after demonetization. The Indian society moved
slowly from cash to digital transaction system after the demonetization.
 In recent time technology plays a very vital role with this, the way we transact in daily
life has changed drastically with the advent of Smartphone the life has become easier
where all payments & transaction are taking place on online platforms. The present
study focuses on measuring customer satisfaction towards Google pay app.
 Google pay (stylized as g pay; formerly pay with Google and android pay) is a digital
wallet platform and online payment system developed by Google to power in-app and
tap-to-pay purchases on mobile devices, enabling users to make payments with android
phones, tablets or watches .As of January 8, 2018, the old android pay and Google
wallet have unified into a single pay system called Google pay.

3. Literature Review
 With newer transaction methods appearing on the horizon, the need to carry cash may
become redundant for people. It is no longer necessary to carry credit and debit cards
either for main transactions- you can make use of the various Payment Methods. More
companies in telecommunication and e-commerce services are coming up with digital
Payments. The recent RBI directive indicates these digital wallets can be turned into
payment banks. The directive enables supermarket chains, telecom operators and
electronic wallets to start these payment banks to offer basic saving facilities and accept
deposits
 Singh Rin his paper Profitability management in banks under deregulateenvironment,
IBA bulletin. N025. has analyzed profitability management of banks under the
deregulated environment with some financial parameters of the major four bank groups
i.e. public sector banks. old private sector banks. new private sector banks and foreign
banks. profitability has declined in the deregulated environment. He emphasized to
make the banking sector competitive in the deregulated environment. They should
prefer noninterest income sources.

4.  SinglaHkin his paper." financial performance of banks in India." in ICFAI Journalof
Bank Management No 7. has examined that how financial management plays a crucial
role in the growth of banking. It is concerned with examining the profitability position
of the selected sixteen banks of banker index for a period of six years (2001- 06). The
study reveals that the profitability position was reasonable during the period of study
when compared with the previous years. Strong capital position and balance sheet
place. Banks in better position to deal with and absorb the economic constant over a
period of time.
 Dr. PoonamPainuly, ShaluRathiin their paper “Mobile Wallet: An upcoming mode
ofbusiness transactions” (May 2016) has explained about mobile wallet, types and
trends. Then discussed about Role of mobile wallet in various sectors like Banks, Retail
and Hospitality. The paper explains the importance of mobile for Banks, Customers and
Companies. In future scope it talks of mobile wallets becoming a latest marketing
channel in near future. And contribute highly in a seamless shopping experience for the
customers that increase their tendency for frequent and more repurchases with
delightful experiences. To conclude they speak the importance and growth of mobile
money in business, social and economic prospective. The presence of mobile wallet
spreading from urban to rural areas on a large scale. Hence, wallet money sees a high
bright future in near time

5.  Dr. KarminderGhuman and CS ShrutiSrivastavain their paper ““Recharging: the
Right Way?? A case study on e-payment giants: Free Charge & Paytm” has asked
readers a strategic question that in the emerging internet-based service provision
industry, whether it is a better strategy to develop a unique positioning on the basis of
single key service or it’s better for an organization to offer multiple services, thereby
reducing risk, increasing traction and thus increasing its valuation? And thus, they have
compared Paytm and Free Charge who are employing opposite strategies to find out
which one is better.
 Prof Trilok Nath Shukla in his paper “Mobile Wallet: Present and the
Future”(June)has discussed about mobile wallet, working, types and its advantages and
disadvantages. His analysis included perception of consumers and retailers about
mobile wallets. He concluded that mobile wallets will be used to engage with the
customer by the marketers and digital businesses. Irrespective of the market status of
these mobile wallets, marketers should take advantage of the emerging opportunities

7. Conclusion
 Google pay have been introduced with the primary objective of increasing the impact of
financial inclusion drive. Through our study we conclude that E-Payment is rapidly
emerging in India. Most of the students are willing to make electronic payment and in a
way the country is going on digitalization.
 We conclude through our study that E-Payment standards are meant to increase the
flexibility of the transactions, which gives the easy options for payments everywhere in
our day to day life. Google pay becoming the most popular medium of digital
transactions. Google pay providing a gateway to the low income and middle income
groups.
 Most of the people prefer digital payments for the ease and convenience. And almost
any app cannot beat GOOGLE PAY app in these areas.
 Another area where Google pay loses is security. Though it has provided the security
for its Pay and Passbook options but it relies on your phone’s security. Moreover, the
options like recharge, bill payments and bookings do not have any security at all. The
Google pay is also slower than its opponent because of too many features.