Name Age

Pallavi Kohad 20-30

Devendra Bokde 30-40
Vaishali Bokde 30-40
Yogesh 40-50
Renuka Gaikwad 40-50

Ranjana Bercha 40-50

ANIL BERCHA 40-50

ANJALI 40-50
gautam chordia 40-50
Pranav Chordia 20-30

Ishan 30-40
Reeya Sahu 20-30
Subhuti Ramteke 20-30
Nilesh Devikar 30-40

arjun shirkr 30-40

Tukaram Lokhande 60 and above

Manda Nikumbh 60 and above

Sonam 30-40
vinay ohol 20-30
Mangesh 20-30
Yashdeep Shukla 50-60
pakhi mehta 30-40
Roshni Prajapati 20-30
aqueeluddin 20-30
nikhil 30-40

Anita Sahu 40-50

Sanjay 50-60
Ashutosh Inamdar 30-40

Shreya Ghule 20-30

Vedant 20-30
Shaniya Khan 20-30
Anamika Agrawal 20-30
Aviral 30-40
Asiya Khan 20-30
vaishali S Kohad 40-50
seema 20-30
Monika 20-30
Ajay Sharma 50-60
Chandan Dubey 40-50
Bhavesh 30-40
Akshay Bendale 20-30
Anil Dagar 40-50
Ankita sahoo 60 and above
Naina Srivastva 40-50
Nakna Gupta 20-30

Roshni 60 and above

Bilal Afaq 30-40
Ananya Prasanna 20-30
Saurabh 40-50
Rajkumar 50-60
Manveer 30-40
Nimrit 20-30
Hardik 40-50
Priyanshu Srivastva 30-40
Sachin Verma 20-30
Harshit Raj 20-30
Anushka 20-30
Manvi goyal 20-30
Sufia Ali 30-40
Zoya 20-30
Jadir Sathar 20-30
Roshni Soni 30-40
Chaya Sahu 20-30
Nakul Mehta 30-40
Disha 30-40
Prajakta 20-30

Nitin Ghule 50-60

Neha Pandey 30-40
Sapna Mandwe 20-30
Mariyam Ansari 30-40
Shreyash 20-30
Dinoy 20-30
Vijay Chandare 30-40
Bhumi 20-30
Education
Post graduate
Graduate
Graduate
12th
Graduate

Graduate

Graduate

Post graduate
12th
Graduate

Graduate
Graduate
Graduate
Post graduate

Post graduate

12th

10th

Graduate
Graduate
Post graduate
Graduate
Post graduate
Graduate
Post graduate
Post graduate

Post graduate
Graduate
Graduate

Graduate
Post graduate
Graduate
Post graduate
10th
Post graduate
12th
Graduate
Post graduate
Graduate
12th
Graduate
Graduate
12th
12th
Graduate
Graduate

12th
Post graduate
Graduate
10th
Graduate
Post graduate
Graduate
12th
Post graduate
Post graduate
10th
Graduate
Graduate
Post graduate
Graduate
12th
Graduate
Graduate
Graduate
Graduate
Graduate

Post graduate
Graduate
Graduate
Graduate
Graduate
Graduate
Graduate
Graduate
Occupation Gender
Student Female
Business Male
Others Female
Employment Male
Employment Female

Business Female

Employment Male

Others Female
Business Male
Student Male

Professional Male
Student Female
Student Female
Employment Male

Business Male

Others Male

Others Female

Employment Female
Employment Male
Employment Male
Business Male
Professional Female
Student Female
Student Male
Business Male

Employment Female
Employment Male
Business Male

Student Female
Student Male
Employment Female
Business Female
Business Male
Student Female
Employment Female
Employment Female
Employment Female
Employment Female
Employment Male
Employment Male
Employment Male
Employment Male
Others Female
Employment Female
Professional Female

Others Female
Professional Male
Professional Female
Business Male
Professional Male
Employment Male
Professional Male
Employment Male
Employment Male
Employment Male
Student Male
Student Female
Employment Female
Employment Female
Student Female
Employment Male
Employment Female
Employment Female
Professional Male
Employment Female
Employment Female

Employment Male
Business Female
Professional Female
Employment Female
Student Male
Employment Male
Business Male
Employment Female
Annual Income Do you prefer digital transactions over cash transactions?
Not Earning Yes
more than 10,00,000 Yes
Not Earning Yes
300,000 to 500,000 Yes
300,000 to 500,000 Yes

300,000 to 500,000 Yes

500,000 to 10,00,000 Yes

Not Earning No
more than 10,00,000 Yes
Not Earning Yes

300,000 to 500,000 Yes

Not Earning Yes
upto 300,000 Yes
more than 10,00,000 Yes

more than 10,00,000 Yes

Not Earning No

Not Earning No

more than 10,00,000 Yes

500,000 to 10,00,000 Yes
300,000 to 500,000 Yes
more than 10,00,000 Yes
500,000 to 10,00,000 Yes
Not Earning Yes
Not Earning Yes
500,000 to 10,00,000 Yes

300,000 to 500,000 Yes

more than 10,00,000 Yes
500,000 to 10,00,000 Yes

Not Earning Yes

300,000 to 500,000 Yes
upto 300,000 Yes
500,000 to 10,00,000 Yes
500,000 to 10,00,000 Yes
upto 300,000 Yes
more than 10,00,000 Yes
500,000 to 10,00,000 Yes
300,000 to 500,000 Yes
more than 10,00,000 No
500,000 to 10,00,000 Yes
300,000 to 500,000 Yes
300,000 to 500,000 Yes
more than 10,00,000 Yes
Not Earning No
upto 300,000 No
500,000 to 10,00,000 Yes

Not Earning No
more than 10,00,000 Yes
500,000 to 10,00,000 Yes
more than 10,00,000 Yes
more than 10,00,000 No
more than 10,00,000 Yes
500,000 to 10,00,000 Yes
500,000 to 10,00,000 Yes
more than 10,00,000 Yes
more than 10,00,000 Yes
Not Earning Yes
Not Earning Yes
500,000 to 10,00,000 Yes
300,000 to 500,000 Yes
Not Earning Yes
upto 300,000 Yes
upto 300,000 Yes
500,000 to 10,00,000 Yes
more than 10,00,000 Yes
more than 10,00,000 Yes
upto 300,000 Yes

more than 10,00,000 Yes

500,000 to 10,00,000 Yes
500,000 to 10,00,000 Yes
500,000 to 10,00,000 Yes
Not Earning Yes
300,000 to 500,000 Yes
more than 10,00,000 Yes
300,000 to 500,000 Yes
If yes, why?
Convenient, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Speed, Social Acceptance/Popularity
Convenient, Social Acceptance/Popularity, Rewards and Cashback
Convenient, Secure, Speed

Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction

Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and
Cashback

Not Applicable(don't prefer)

Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and
Cashback
Convenient, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and
Cashback

Not Applicable(don't prefer)

Not Applicable(don't prefer)

Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and
Cashback
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Social Acceptance/Popularity
Convenient, Secure
Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure

Convenient, Secure, Speed

Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and
Cashback
Convenient, Social Acceptance/Popularity
Convenient, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Keeps record of transaction
Convenient, Speed, Social Acceptance/Popularity, Rewards and Cashback
Convenient, Keeps record of transaction
Convenient, Keeps record of transaction
Convenient, Secure, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Social Acceptance/Popularity, Keeps record of transaction
Not Applicable(don't prefer)
Convenient, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Keeps record of transaction, Rewards and Cashback
Convenient, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Keeps record of transaction
Not Applicable(don't prefer)
Not Applicable(don't prefer)
Convenient, Secure, Social Acceptance/Popularity, Keeps record of transaction

Not Applicable(don't prefer)

Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and
Cashback
Convenient, Secure
Convenient, Secure
Convenient, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity
If no, why?
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Complicated to understand
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Security Concerns, Technical Issues, Complicated to understand

Security Concerns, Technical Issues, Complicated to understand

Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Privacy Issues, Service costs and other hidden charges
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Complicated to understand
Security Concerns, Complicated to understand
Not applicable ( prefer digital payments)

Security Concerns, Complicated to understand

Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Technical Issues, Complicated to understand
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Technical Issues, Privacy Issues
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)

Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
What was your most preferred mode transaction 10 years ago?
Cash
Cash
Cash
Debit/Credit cards
Cheques

Cash

Cash

Cash
Debit/Credit cards
Cash

Debit/Credit cards
Cash
Cash
Cash

Cash

Cash

Cash

Debit/Credit cards
Cash
Cash
Cheques
Debit/Credit cards
Cash
Cash
Cash

Cash
Cash
Cash

Cash
Cash
Cash
Cash
Cheques
Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash

Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Cash
Cheques
Debit/Credit cards
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Debit/Credit cards
Cash

Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Cash
What is your most preferred mode of transaction today?
UPI
UPI
UPI Lite
UPI
Bank Transfers (NEFT/RTGS)

UPI

UPI Lite

UPI Lite
UPI
UPI Lite

UPI
UPI Lite
UPI
UPI

UPI Lite

Cash

Cash

UPI
UPI
UPI Lite
UPI Lite
Bank Transfers (NEFT/RTGS)
UPI Lite
UPI Lite
Bank Transfers (NEFT/RTGS)

UPI
UPI
UPI

UPI Lite
UPI
UPI
UPI
UPI Lite
UPI
UPI
UPI
UPI
Cash
UPI Lite
UPI
UPI Lite
Cash
Cash
Cash
UPI Lite

Cash
UPI Lite
UPI
Cheque
Cash
UPI
UPI Lite
UPI
UPI
UPI
UPI Lite
UPI
UPI
UPI
UPI
UPI
UPI
UPI
UPI Lite
UPI
UPI

UPI Lite
UPI
UPI
UPI
UPI
UPI
UPI Lite
UPI
How often you use digital payment methods?
Daily
Daily
Daily
Daily
Weekly

Daily

Daily

Weekly
Daily
Daily

Daily
Daily
Daily
Daily

Daily

Rarely

Rarely

Daily
Daily
Daily
Daily
Weekly
Daily
Daily
Daily

Daily
Daily
Daily

Daily
Daily
Daily
Weekly
Daily
Weekly
Weekly
Daily
Daily
Occasionally
Daily
Daily
Daily
Occasionally
Rarely
Rarely
Daily

Rarely
Daily
Daily
Weekly
Rarely
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Weekly
Daily
Daily

Daily
Daily
Daily
Daily
Daily
Daily
Daily
Daily
What factors influenced your decision to start using digital payments instead of traditional methods?
Convenience, Social Acceptance/Popularity
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Social Acceptance/Popularity, Speed
Convenience, Cost-effectiveness, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness

Convenience, Security, Social Acceptance/Popularity

Convenience, Security, Social Acceptance/Popularity

Convenience, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed, Cashbacks and Rewards
Convenience, Security, Social Acceptance/Popularity, Speed

Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed, Cashbacks and Rewards

Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed

Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity

Convenience

Convenience

Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed

Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity
Convenience
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Speed

Convenience, Security
Convenience, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness

Convenience, Cost-effectiveness, Social Acceptance/Popularity, Speed

Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Speed
Convenience, Security
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Speed
Convenience
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Cashbacks and Rewards
Convenience, Social Acceptance/Popularity
Convenience
Convenience, Social Acceptance/Popularity, Cashbacks and Rewards
Convenience, Social Acceptance/Popularity
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Cashbacks and Rewards
Convenience
Convenience, Security, Social Acceptance/Popularity, Speed
Social Acceptance/Popularity
Convenience, Security, Speed

Social Acceptance/Popularity
Convenience, Security, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness
Convenience, Security, Speed
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Speed
Convenience, Security, Cost-effectiveness, Speed
Convenience, Security, Speed
Convenience, Security, Cost-effectiveness
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Speed
Convenience, Security, Cost-effectiveness
Convenience, Security, Social Acceptance/Popularity, Speed

Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed

Convenience, Security, Speed
Convenience
Convenience, Social Acceptance/Popularity
Convenience, Security, Social Acceptance/Popularity
Convenience, Cost-effectiveness, Social Acceptance/Popularity
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness
While choosing a mode of digital payment which of the following factors are of utmost importance?
Convenience, Security, Transaction Limits
Convenience, Security, Transaction Limits, Usability
Convenience, Security, Transaction Limits, Usability, Cashbacks and Rewards
Convenience, Security, Transaction Limits, Usability, Cashbacks and Rewards
Convenience, Transaction Limits

Convenience, Security, Transaction Limits, Cashbacks and Rewards

Convenience, Security, Transaction Limits, Usability

Security, Usability
Convenience, Security, Transaction Limits
Convenience, Security, Transaction Limits

Convenience, Security, Transaction Limits, Usability, Cashbacks and Rewards

Convenience, Security
Convenience, Security
Convenience, Security, Transaction Limits

Convenience, Security, Transaction Limits

Security

Convenience

Convenience, Security, Transaction Limits, Usability

Convenience, Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security
Convenience, Security
Security

Convenience, Security
Convenience, Security, Usability
Convenience, Security

Convenience, Security, Usability

Convenience, Security, Usability
Convenience, Security
Security
Convenience, Security, Cashbacks and Rewards
Convenience, Security
Usability
Convenience, Security, Usability
Convenience, Transaction Limits, Usability
Convenience, Transaction Limits, Usability
Convenience, Transaction Limits, Usability
Convenience, Transaction Limits, Usability
Convenience, Security, Transaction Limits, Usability
Convenience, Security, Transaction Limits, Usability
Convenience, Security, Transaction Limits
Security
Convenience, Security, Usability

Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability, Cashbacks and Rewards
Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security
Convenience, Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security, Usability

Convenience, Security
Security, Transaction Limits
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Security
Convenience, Security, Usability
Convenience, Security
Do you face any challenges while making digital transactions?
Technical Issues, Fear of Fraud
Technical Issues, Security Issues, Fear of Fraud
Technical Issues
Technical Issues, Forget passwords and pin numbers
Technical Issues
Technical Issues, Security Issues, Fear of Fraud, Forget passwords
and pin numbers

No
Technical Issues, Security Issues, Fear of Fraud, Forget passwords
and pin numbers
Technical Issues, Security Issues
Technical Issues

Technical Issues, Security Issues

Technical Issues, Security Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues, Security Issues, Forget passwords and pin numbers

Technical Issues
Technical Issues, Security Issues, Fear of Fraud, Forget passwords
and pin numbers
Technical Issues, Security Issues, Fear of Fraud, Forget passwords
and pin numbers

Technical Issues, Security Issues

Technical Issues, Fear of Fraud
Technical Issues
Technical Issues
Technical Issues, Forget passwords and pin numbers
Technical Issues
Technical Issues
Technical Issues
Technical Issues, Security Issues, Fear of Fraud, Forget passwords
and pin numbers
Technical Issues
Technical Issues, Security Issues

Technical Issues, Security Issues

Technical Issues
Technical Issues
No
Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Fear of Fraud
Fear of Fraud
Fear of Fraud
Fear of Fraud
Security Issues, Fear of Fraud
Fear of Fraud
Security Issues, Fear of Fraud
Security Issues, Fear of Fraud
Security Issues, Fear of Fraud
Technical Issues, Fear of Fraud
Fear of Fraud, Forget passwords and pin numbers
No
Technical Issues, Security Issues, Fear of Fraud, Forget passwords
and pin numbers
No
Technical Issues, Fear of Fraud
Technical Issues
Technical Issues, Fear of Fraud
No
No
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
No
Technical Issues, Fear of Fraud
No
No
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
No
No
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
No
No
Technical Issues, Fear of Fraud
Technical Issues

Technical Issues, Security Issues, Fear of Fraud

Technical Issues
Technical Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues
Technical Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues, Security Issues
Do you believe digital transactions will eventually replace cash in coming years?
Yes
Yes
Yes
Yes
Yes

Yes

Yes

No
Yes
Yes

Yes
Yes
Yes
Yes

Yes

No

No

Yes
Yes
Yes
No
Yes
No
Yes
Yes

Yes
No
Yes

Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes

Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes

Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Do you face any challenges while making digital transactions?
No
No
No
No
No
No
No
No
No
No
No
No
No
weekly 10
Do you believe digital transactions will eventually replace cash in coming years?
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Daily 56
weekly 10
Occassiona 2
Rarely 6 How often people use digital payment m
Rarely
Occassionally 8%
3%
weekly
14%

Daily
76%

Daily weekly Occassionally Rarely

le use digital payment methods?
Rarely
onally 8%
%

Daily
76%

weekly Occassionally Rarely

 NUMBER OF
FACTORS
RESPONDENTS
IMPORTANT FACTORS WH
SELECTING A DIGITAL MOD
Convenience 64
Security
PAYMENT
67
Transaction Limits 21

67
64
Usability 34
Cashbacks and
6
Rewards

34
TOTAL 74

21
C o n v en i en c e Sec u r i t y T r a n s a c ti o n Usab i l i t y
Limits
 T FACTORS WHILE
A DIGITAL MODE OF
AYMENT
34
21

T r a n s a c ti o n Usab i l i t y C ash b ac ks an d
Limits R ew ar d s
 NUMBER OF
REASON REASONS AS
RESPONDENTS TO PEOPL
STARTED USING DIGITA
MODES OF TRANSACTIO
Convenience 72

72
Security 47

47

45
Cost-effectiveness 24

24
Social
Acceptance/Popula 45
rity
Speed 37
Cashbacks and
5
Rewards
NS AS TO PEOPLE
D USING DIGITAL
OF TRANSACTIONS
45

37
24

5
 CHALLENGES
Technical Issues
CHALLENGES
Security Issues FACED WHILE MA
Fear of FraudDIGITAL TRANSACTIONS
Forget passwords and pin

51
numbers

33
23
No challenges

15
YES 68
NO 6
Do you believe digital transactions wil
replace cash in coming years
NO
8%

YES
92%

YES NO
 NO. OF
RESPONDENTS
51
LLENGES FACED23 WHILE MAKING
DIGITAL TRANSACTIONS
33
15
33
23

13
15

13

you believe digital transactions will eventually

replace cash in coming years?
NO
8%

YES
92%

YES NO
 NUMBER OF
REASON
RESPONDENTS
REASONS AS TO WHY PEO
PREFER DIGITAL TRANSACT
Convenient OVER 65CASH TRANSACTIO
Secure 50

65

50

47
Speed 47

36

36
Social Acceptance/Popularity 36
Keeps record of transaction 36
Rewards and Cashback 11
Not Applicable(don't prefer) 7
S TO WHY PEOPLE
AL TRANSACTIONS
TRANSACTIONS
36

36

11

7
Name Age
Pallavi Kohad 20-30
Devendra Bokde 30-40
Vaishali Bokde 30-40
Yogesh 40-50
Renuka Gaikwad 40-50
Ranjana Bercha 40-50
ANIL BERCHA 40-50
ANJALI 40-50
gautam chordia 40-50
Pranav Chordia 20-30
Ishan 30-40
Reeya Sahu 20-30
Subhuti Ramteke 20-30
Nilesh Devikar 30-40
arjun shirkr 30-40
Tukaram Lokhande 60 and above
Manda Nikumbh 60 and above
Sonam 30-40
vinay ohol 20-30
Mangesh 20-30
Yashdeep Shukla 50-60
pakhi mehta 30-40
Roshni Prajapati 20-30
aqueeluddin 20-30
nikhil 30-40
Anita Sahu 40-50
Sanjay 50-60
Ashutosh Inamdar 30-40
Shreya Ghule 20-30
Vedant 20-30
Shaniya Khan 20-30
Anamika Agrawal 20-30
Aviral 30-40
Asiya Khan 20-30
vaishali S Kohad 40-50
seema 20-30
Monika 20-30
Ajay Sharma 50-60
Chandan Dubey 40-50
Bhavesh 30-40
Akshay Bendale 20-30
Anil Dagar 40-50
Ankita sahoo 60 and above
Naina Srivastva 40-50
Nakna Gupta 20-30
Roshni 60 and above
Bilal Afaq 30-40
Ananya Prasanna 20-30
Saurabh 40-50
Rajkumar 50-60
Manveer 30-40
Nimrit 20-30
Hardik 40-50
Priyanshu Srivastva 30-40
Sachin Verma 20-30
Harshit Raj 20-30
Anushka 20-30
Manvi goyal 20-30
Sufia Ali 30-40
Zoya 20-30
Jadir Sathar 20-30
Roshni Soni 30-40
Chaya Sahu 20-30
Nakul Mehta 30-40
Disha 30-40
Prajakta 20-30
Nitin Ghule 50-60
Neha Pandey 30-40
Sapna Mandwe 20-30
Mariyam Ansari 30-40
Shreyash 20-30
Dinoy 20-30
Vijay Chandare 30-40
Bhumi 20-30
Education Occupation
Post graduate Student
Graduate Business
Graduate Others
12th Employment
Graduate Employment
Graduate Business
Graduate Employment
Post graduate Others
12th Business
Graduate Student
Graduate Professional
Graduate Student
Graduate Student
Post graduate Employment
Post graduate Business
12th Others
10th Others
Graduate Employment
Graduate Employment
Post graduate Employment
Graduate Business
Post graduate Professional
Graduate Student
Post graduate Student
Post graduate Business
Post graduate Employment
Graduate Employment
Graduate Business
Graduate Student
Post graduate Student
Graduate Employment
Post graduate Business
10th Business
Post graduate Student
12th Employment
Graduate Employment
Post graduate Employment
Graduate Employment
12th Employment
Graduate Employment
Graduate Employment
12th Employment
12th Others
Graduate Employment
Graduate Professional
12th Others
Post graduate Professional
Graduate Professional
10th Business
Graduate Professional
Post graduate Employment
Graduate Professional
12th Employment
Post graduate Employment
Post graduate Employment
10th Student
Graduate Student
Graduate Employment
Post graduate Employment
Graduate Student
12th Employment
Graduate Employment
Graduate Employment
Graduate Professional
Graduate Employment
Graduate Employment
Post graduate Employment
Graduate Business
Graduate Professional
Graduate Employment
Graduate Student
Graduate Employment
Graduate Business
Graduate Employment
Gender Annual Income
Female Not Earning
Male more than 10,00,000
Female Not Earning
Male 300,000 to 500,000
Female 300,000 to 500,000
Female 300,000 to 500,000
Male 500,000 to 10,00,000
Female Not Earning
Male more than 10,00,000
Male Not Earning
Male 300,000 to 500,000
Female Not Earning
Female upto 300,000
Male more than 10,00,000
Male more than 10,00,000
Male Not Earning
Female Not Earning
Female more than 10,00,000
Male 500,000 to 10,00,000
Male 300,000 to 500,000
Male more than 10,00,000
Female 500,000 to 10,00,000
Female Not Earning
Male Not Earning
Male 500,000 to 10,00,000
Female 300,000 to 500,000
Male more than 10,00,000
Male 500,000 to 10,00,000
Female Not Earning
Male 300,000 to 500,000
Female upto 300,000
Female 500,000 to 10,00,000
Male 500,000 to 10,00,000
Female upto 300,000
Female more than 10,00,000
Female 500,000 to 10,00,000
Female 300,000 to 500,000
Female more than 10,00,000
Male 500,000 to 10,00,000
Male 300,000 to 500,000
Male 300,000 to 500,000
Male more than 10,00,000
Female Not Earning
Female upto 300,000
Female 500,000 to 10,00,000
Female Not Earning
Male more than 10,00,000
Female 500,000 to 10,00,000
Male more than 10,00,000
Male more than 10,00,000
Male more than 10,00,000
Male 500,000 to 10,00,000
Male 500,000 to 10,00,000
Male more than 10,00,000
Male more than 10,00,000
Male Not Earning
Female Not Earning
Female 500,000 to 10,00,000
Female 300,000 to 500,000
Female Not Earning
Male upto 300,000
Female upto 300,000
Female 500,000 to 10,00,000
Male more than 10,00,000
Female more than 10,00,000
Female upto 300,000
Male more than 10,00,000
Female 500,000 to 10,00,000
Female 500,000 to 10,00,000
Female 500,000 to 10,00,000
Male Not Earning
Male 300,000 to 500,000
Male more than 10,00,000
Female 300,000 to 500,000
Do you prefer digital transactions over cash transactions?
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
No
No
Yes
No
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
If yes, why?
Convenient, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Speed, Social Acceptance/Popularity
Convenient, Social Acceptance/Popularity, Rewards and Cashback
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Not Applicable(don't prefer)
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Not Applicable(don't prefer)
Not Applicable(don't prefer)
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Social Acceptance/Popularity
Convenient, Secure
Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure
Convenient, Secure, Speed
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Social Acceptance/Popularity
Convenient, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Keeps record of transaction
Convenient, Speed, Social Acceptance/Popularity, Rewards and Cashback
Convenient, Keeps record of transaction
Convenient, Keeps record of transaction
Convenient, Secure, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Social Acceptance/Popularity, Keeps record of transaction
Not Applicable(don't prefer)
Convenient, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Keeps record of transaction, Rewards and Cashback
Convenient, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Keeps record of transaction
Not Applicable(don't prefer)
Not Applicable(don't prefer)
Convenient, Secure, Social Acceptance/Popularity, Keeps record of transaction
Not Applicable(don't prefer)
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction, Rewards and Cashback
Convenient, Secure
Convenient, Secure
Convenient, Social Acceptance/Popularity
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed
Convenient, Secure, Speed, Social Acceptance/Popularity, Keeps record of transaction
Convenient, Secure, Speed, Social Acceptance/Popularity
If no, why?
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Complicated to understand
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Technical Issues, Complicated to understand
Security Concerns, Technical Issues, Complicated to understand
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Privacy Issues, Service costs and other hidden charges
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Complicated to understand
Security Concerns, Complicated to understand
Not applicable ( prefer digital payments)
Security Concerns, Complicated to understand
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Technical Issues, Complicated to understand
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Security Concerns, Technical Issues, Privacy Issues
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
Not applicable ( prefer digital payments)
What was your most preferred mode transaction 10 years ago?
Cash
Cash
Cash
Debit/Credit cards
Cheques
Cash
Cash
Cash
Debit/Credit cards
Cash
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Cash
Cash
Cheques
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cheques
Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Cash
Cheques
Debit/Credit cards
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Cash
Debit/Credit cards
Debit/Credit cards
Cash
Debit/Credit cards
Cash
Cash
Cash
Cash
Cash
Cash
Cash
What is your most preferred mode of transaction today?
UPI
UPI
UPI Lite
UPI
Bank Transfers (NEFT/RTGS)
UPI
UPI Lite
UPI Lite
UPI
UPI Lite
UPI
UPI Lite
UPI
UPI
UPI Lite
Cash
Cash
UPI
UPI
UPI Lite
UPI Lite
Bank Transfers (NEFT/RTGS)
UPI Lite
UPI Lite
Bank Transfers (NEFT/RTGS)
UPI
UPI
UPI
UPI Lite
UPI
UPI
UPI
UPI Lite
UPI
UPI
UPI
UPI
Cash
UPI Lite
UPI
UPI Lite
Cash
Cash
Cash
UPI Lite
Cash
UPI Lite
UPI
Cheque
Cash
UPI
UPI Lite
UPI
UPI
UPI
UPI Lite
UPI
UPI
UPI
UPI
UPI
UPI
UPI
UPI Lite
UPI
UPI
UPI Lite
UPI
UPI
UPI
UPI
UPI
UPI Lite
UPI
How often you use digital payment methods?
Daily
Daily
Daily
Daily
Weekly
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Rarely
Rarely
Daily
Daily
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Weekly
Daily
Weekly
Weekly
Daily
Daily
Occasionally
Daily
Daily
Daily
Occasionally
Rarely
Rarely
Daily
Rarely
Daily
Daily
Weekly
Rarely
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Weekly
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Daily
Daily
What factors influenced your decision to start using digital payments instead of traditional methods?
Convenience, Social Acceptance/Popularity
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Social Acceptance/Popularity, Speed
Convenience, Cost-effectiveness, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Social Acceptance/Popularity
Convenience, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed, Cashbacks and Rewards
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed, Cashbacks and Rewards
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity
Convenience
Convenience
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity
Convenience
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Speed
Convenience, Security
Convenience, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Speed
Convenience, Security
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Speed
Convenience
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Cashbacks and Rewards
Convenience, Social Acceptance/Popularity
Convenience
Convenience, Social Acceptance/Popularity, Cashbacks and Rewards
Convenience, Social Acceptance/Popularity
Convenience, Cost-effectiveness, Social Acceptance/Popularity, Cashbacks and Rewards
Convenience
Convenience, Security, Social Acceptance/Popularity, Speed
Social Acceptance/Popularity
Convenience, Security, Speed
Social Acceptance/Popularity
Convenience, Security, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Speed
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness
Convenience, Security, Speed
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Speed
Convenience, Security, Cost-effectiveness, Speed
Convenience, Security, Speed
Convenience, Security, Cost-effectiveness
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Speed
Convenience, Security, Cost-effectiveness
Convenience, Security, Social Acceptance/Popularity, Speed
Convenience, Security, Cost-effectiveness, Social Acceptance/Popularity, Speed
Convenience, Security, Speed
Convenience
Convenience, Social Acceptance/Popularity
Convenience, Security, Social Acceptance/Popularity
Convenience, Cost-effectiveness, Social Acceptance/Popularity
Convenience, Security, Social Acceptance/Popularity
Convenience, Security, Cost-effectiveness
While choosing a mode of digital payment which of the following factors are of utmost
importance?
Convenience, Security, Transaction Limits
Convenience, Security, Transaction Limits, Usability
Convenience, Security, Transaction Limits, Usability, Cashbacks and Rewards
Convenience, Security, Transaction Limits, Usability, Cashbacks and Rewards
Convenience, Transaction Limits
Convenience, Security, Transaction Limits, Cashbacks and Rewards
Convenience, Security, Transaction Limits, Usability
Security, Usability
Convenience, Security, Transaction Limits
Convenience, Security, Transaction Limits
Convenience, Security, Transaction Limits, Usability, Cashbacks and Rewards
Convenience, Security
Convenience, Security
Convenience, Security, Transaction Limits
Convenience, Security, Transaction Limits
Security
Convenience
Convenience, Security, Transaction Limits, Usability
Convenience, Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security
Convenience, Security
Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security
Security
Convenience, Security, Cashbacks and Rewards
Convenience, Security
Usability
Convenience, Security, Usability
Convenience, Transaction Limits, Usability
Convenience, Transaction Limits, Usability
Convenience, Transaction Limits, Usability
Convenience, Transaction Limits, Usability
Convenience, Security, Transaction Limits, Usability
Convenience, Security, Transaction Limits, Usability
Convenience, Security, Transaction Limits
Security
Convenience, Security, Usability
Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability, Cashbacks and Rewards
Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security
Convenience, Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security
Convenience, Security
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security, Usability
Convenience, Security
Security, Transaction Limits
Convenience, Security
Convenience, Security, Usability
Convenience, Security, Usability
Security
Convenience, Security, Usability
Convenience, Security
Do you face any challenges while making digital transactions?
Technical Issues, Fear of Fraud
Technical Issues, Security Issues, Fear of Fraud
Technical Issues
Technical Issues, Forget passwords and pin numbers
Technical Issues
Technical Issues, Security Issues, Fear of Fraud, Forget passwords and pin numbers
No
Technical Issues, Security Issues, Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Security Issues
Technical Issues
Technical Issues, Security Issues
Technical Issues, Security Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues, Security Issues, Forget passwords and pin numbers
Technical Issues
Technical Issues, Security Issues, Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Security Issues, Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Security Issues
Technical Issues, Fear of Fraud
Technical Issues
Technical Issues
Technical Issues, Forget passwords and pin numbers
Technical Issues
Technical Issues
Technical Issues
Technical Issues, Security Issues, Fear of Fraud, Forget passwords and pin numbers
Technical Issues
Technical Issues, Security Issues
Technical Issues, Security Issues
Technical Issues
Technical Issues
No
Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Fear of Fraud
Fear of Fraud
Fear of Fraud
Fear of Fraud
Security Issues, Fear of Fraud
Fear of Fraud
Security Issues, Fear of Fraud
Security Issues, Fear of Fraud
Security Issues, Fear of Fraud
Technical Issues, Fear of Fraud
Fear of Fraud, Forget passwords and pin numbers
No
Technical Issues, Security Issues, Fear of Fraud, Forget passwords and pin numbers
No
Technical Issues, Fear of Fraud
Technical Issues
Technical Issues, Fear of Fraud
No
No
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
No
Technical Issues, Fear of Fraud
No
No
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
No
No
Technical Issues, Fear of Fraud, Forget passwords and pin numbers
No
No
Technical Issues, Fear of Fraud
Technical Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues
Technical Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues
Technical Issues
Technical Issues, Security Issues, Fear of Fraud
Technical Issues, Security Issues
Do you believe digital transactions will eventually replace cash in coming years?

Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Yes
Yes
No
Yes
No
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
YES 67
NO 7

Do you prefer digital transactions ov

transactions?
NO
9%

YES
91%

YES NO
er digital transactions over cash
transactions?
NO
9%

YES
91%

YES NO
CASH 58
OTHERS 16

Preferred mode of transaction 10 yea

OTHERS
22%

CASH
78%

CASH OTHERS
e of transaction 10 years ago
RS

CASH
78%

CASH OTHERS
 NUMBER OF
REASON REASONS AS TO WHY PEOP
RESPONDENTS
PREFER DIGITAL TRANSA
Security Concerns
OVER8 CASH TRANSAC
Technical Issues 4

8
Privacy Issues 2
Complicated to understand 7

Service costs and other

1
hidden charges

4
TOTAL 9

2
Sec u r i t y Tec h n i c al I ssu es P r i v ac y I ssu es Com
C o n c er n s un
AS TO WHY PEOPLE DO NOT
DIGITAL TRANSACTIONS
CASH TRANSACTIONS
7
2

I ssu es P r i v ac y I ssu es C o m p l i c at ed t o Ser v i c e c o st s

u n d er st an d an d o t h er
h i d d en
c h ar ges