This document discusses digital payment systems in India. It begins by defining digital payment as a cashless payment method using digital modes by both the payer and payee, without physical cash. It then outlines various types of digital payments like mobile wallets, UPI, internet banking. The literature review discusses previous research on factors influencing adoption of digital payments in India, like convenience and security concerns. The objectives and methodology of the author's own research are described, which was a survey of 150 individuals in Siliguri on their digital payment usage, preferred modes, and concerns. The findings show most use digital payments for convenience, preferred modes are mobile wallets, and main concerns are fraud and connectivity issues. Suggestions include improving security

1. DIGITAL PAYMENT SYSTEM
By:- Pooja Agrawal

2. Digital payment is a type of cashless
payment where the payment is
made through digital modes. These
digital modes are used by both, the
payer and the payee. Also called
electronic payment, no hard cash or
physical form of cash is used in
digital payments.
INTRODUCTION

3. TYPES OF DIGITAL PAYMENT
Bank Card USSD UPI
Mobile Wallet
Bank Prepaid
Card
Internet
Banking
Mobile
Banking
Bharat
Interface For
Money {BHIM)

4. REVIEW OF LITERATURE
 Sanghita Roy, Dr. Indrajit Sinha (2014), stated that E- payment system in
India, has shown tremendous growth, but still a lot to be done to increase
its usage. Still 90% of the transactions are cash based. Innovation,
incentive, customer convenience and legal framework are the four factors
which contribute to strengthen the E- payment system.
 Rakesh H M &Ramya T J (2014) in their research paper titled “A Study on
Factors Influencing Consumer Adoption of Internet Banking in India” tried to
examine the factors that influence internet banking adoption.
 Slozko & Pello (2015) in their paper mentioned that E-payment systems
are important mechanisms used by individual and organizations as a
secured and convenient way of making payments over the internet and at
the same time a gateway to technological advancement in the field of
world economy

5.  (Mathur, 2017)In this paper author conclude that the peoples are
not so aware about the security concerns while making e-
payments. There is a need to have awareness programs by the
various agencies in this regard.
 Suma Vally, (2018)The results of this paper indicate that the
deployment of technology for digital payments have improved
the performance of banking sector and able to achieve the motive
cash less country. The study gives importance to the percentage
of awareness on maximum consumption of technology.

6. 1. To know the usage of digital payment in
Siliguri.
2. To find out factor responsible for the adoption
of digital payment .
3. To find out the preferred mode of digital
payment
4. To find out the reason for not adopting digital
payment
OBJECTIVES OF RESEARCH

7. RESEARCH METHODOLOGY
 Data Collection: Primary and Secondary Data
 Research Approach: Survey
 Research Instrument: Questionnaire
 Contact Method: Online google form
 Sample Size: 150
 Sampling Technique: Convenience Sampling
Limitations
 Small sample size.
 Less interest shown by respondents in writing their
opinions.

8.  USE DIGITAL PAYMENT
DATA ANALYSIS

9.  REASON FOR CHOOSING ONLINE
PAYMENT METHOD

10.  MODE OF DIGITAL PAYMENT YOU USE MOST

11.  BIGGEST CONCERN AROUND DIGITAL
PAYMENTS

12. FINDINGS AND CONCLUSION
 Most of the respondent use digital payment.
Most people are switching to digital payments for its
sheer convenience.
 E-wallet/Mobile wallet has been the preferred mode
of payment after the demonization.
 Risk of fraud and poor internet connectivity are the
main concern around digital payment.

13. SUGGESTION
 If we focus on improving the security payment
platforms then it will help in gaining the trust of
customers which will attract more customers and
help in increasing the number of people in the
country using digital platforms.
 Government can ensure to the public that the
operation of digital payment is free from
transactions cost which helps the customer to
purchase via on line mode.

14. THANK YOU