The main purpose of this paper is to look into the constantly changing field of digital finance in India and assess the feasibility of the widespread use of BHIM UPI among the average users. In fact, considering the rapid development of the digital payment system in the country, it has become clear that UPI is an incredibly efficient way to transfer money electronically. Therefore, this paper seeks to explore the user experience by comparing convenience, speed, and security of such applications. By conducting the surveys and using already available studies on the issue, the author will try to find out whether it is the availability of technology or some other factors that determine adoption rates. In essence, the results obtained indicate some kind of contradiction – while people appreciate the benefits of using UPI, they continue being concerned about issues of lack of digital literacy, absence of constant connection, and fear of cybercrime. Another important aspect is that, according to the surveys, the
Bajpai et al. (Wed,) studied this question.