Effectiveness of Online Payment Platforms in Vadodara: Trends, Challenges, and User Perceptions
Abstract
The growth of technology has changed how people do financial transactions in India. Many people in cities and towns are now using payment platforms like mobile wallets, banking apps and unified payment systems. This study looks at how people in Vadodara city use these platforms what they think about them and what benefits and problems they face. The study is based on information collected from 60 people through questionnaires and interviews. It looks at how different groups of people such as students, salaried employees, informal workers and senior citizens use payment systems. The study finds that online payment platforms make it easy for people to make transactions they are fast. They help people keep track of their finances.. Some people face problems like internet connectivity issues, security concerns and lack of knowledge, about digital payments. The study concludes that while digital payments work well for people it is essential to make them more accessible raise awareness and improve technology so that more people can participate in digital financial transactions. Online payment platforms are helpful. Have some issues. Digital payment systems are becoming popular.
Keywords
Online payment platforms, Digital payments, User perception, Financial inclusion, Digital literacy, Trust and security, Transaction reliability, Vadodara city, Digital divide, Mobile banking, UPI and electronic payments, Financial technology adoption
Citations
IRE Journals:
Jignesh Solanki, Dr. Neha Dubey, Meghavi Garud "Effectiveness of Online Payment Platforms in Vadodara: Trends, Challenges, and User Perceptions" Iconic Research And Engineering Journals Volume 9 Issue 9 2026 Page 2792-2797 https://doi.org/10.64388/IREV9I9-1715688
IEEE:
Jignesh Solanki, Dr. Neha Dubey, Meghavi Garud
"Effectiveness of Online Payment Platforms in Vadodara: Trends, Challenges, and User Perceptions" Iconic Research And Engineering Journals, 9(9) https://doi.org/10.64388/IREV9I9-1715688
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