EXPLORING THE USAGE OF ELECTRONIC PAYMENT APPLICATIONS AMONG CUSTOMERS OF MUMBAI AND NAVI MUMBAI

ABSTRACT 
The study explores the patterns and trends related to use of electronic payment applications (EPAs) by the 
customers of Mumbai and Navi Mumbai. Mainly the research work focuses on investigating whether there are 
any demographic differences in the usage of electronic payment applications and examine the level of usage of 
Electronic Payment Applications among the customers of Mumbai and Navi Mumbai. A survey method was 
being applied and primary data collection was done using the instrument questionnaire. The hypotheses testing 
results confirm that there is significant difference between the usage of electronic payment applications among 
the customers of Mumbai and Navi Mumbai, similarly there is significant difference between the usage of 
electronic payment applications among the customers based on gender and Income. These findings suggest that 
geographical location, gender, and income significantly influence the adoption and utilization of electronic 
payment methods. By identifying these differences, the study highlights the importance of tailoring electronic 
payment services to cater to the unique needs and preferences of diverse customer segments. 
Keywords: Electronic Payment Applications, Digitization, Customer Segments