Abstract: Digital finance has had a significant impact on the provision and utilization of financial services in India and is rapidly transforming the landscape of financial services in India. Digital platforms such as mobile banking, online banking, digital wallets and mobile payments via UPI have contributed to better access, convenience and transaction efficiency. Nonetheless, in spite of the increasing use of digital money, consumers persist in expressing apprehensions about security, efficacy, and financial risk...........
Keywords: Digital finance; digital payment adoption; perceived benefit; perceived risk; consumer behaviour; PLS-SEM; financial technology; digital banking; India
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