ASSESSING THE ROLE OF UPI IN ADVANCING FINANCIAL INCLUSION IN INDIA: A CONSUMER-CENTRIC ANALYSIS

This research paper identifies the adoption patterns of UPI services, exploring the influence of financial literacy and other demographic factors. The study examines the relationship between financial literacy and UPI adoption, and explores how gender-based differences and financial education impact individuals' willingness to adopt UPI.

Furthermore, the study identifies key demographic influences, including age, education, and occupation, shaping UPI adoption across India’s population. By highlighting these factors, the research offers valuable insights into the dynamics of digital payment adoption and its potential for wider financial inclusion.