Abstract
Tremendous change in payment system after demonetization leads to the entry of various payment apps like google pay, paypal, paytm, phonepe etc. The transformation towards digitalization in payment, benefits both consumers and business organizations. Enormous factors influence the utility of digital payment. This paper focuses on the analysis of determinants of the usage of payment app. Primary data are collected from 148 respondents through questionnaire and the collected data are analysed using statistical tools Percentage analysis, ANOVA, and Chi-square.
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