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Paper Title
Factors Influencing Digital Finance Adoption and User Satisfaction in India
Authors
Rishu Chaudhary , Adarsh Dash , Pallavi Kumari , Jeevan Shreyas , Dr. Mathuraswamy P
Keywords
Digital Finance, FinTech Adoption, User Satisfaction, Convenience, Trust, Cashless Transactions, Traditional Banking System
Abstract
India has seen a rapid transformation of digital finance, and this has completely changed the way consumers
acquire and transact financial services. The paper will explore the determinants of adoption and satisfaction of digital
finance platforms with reference to their perceptions regarding convenience, easy navigation, trust, and perceived
security. A Likert-scale questionnaire containing structured questions was used to collect primary data on 136
respondents. The reliability tests were used to check that the internal consistency is good, and the further analysis was
performed in terms of correlation and multiple regression to measure the relations between the variables. The results
showed the convenience, usability, trust, and perceived data security to be significant influencers of digital finance
usage frequency. The frequency of use and less reliance on cash were identified to be highly effective in bringing
satisfaction to digital finance services, but less advanced features like expense-tracking and financial-management tools
were not significantly correlated with satisfaction. Network problems became one of the primary barriers that have a
detrimental impact on user experience, and the fear of fraud did not exhibit a major effect. In general, the research
concludes that in India, the process of digital finance adoption is strongly determined by conveniency, trust, and daily
practical benefits, but user satisfaction is determined by regular functioning and platform stability. These implications
can be used by FinTech providers to act on to improve user engagement and service quality.
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IJRTI — journal style
"Factors Influencing Digital Finance Adoption and User Satisfaction in India", IJRTI - International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.10, Issue 12, page no.b373-b381, December-2025, Available :https://ijrti.org/papers/IJRTI2512146.pdf
APA — 7th edition
Chaudhary, R., Dash, A., Kumari, P., Shreyas, J., & P, M. (2025). Factors Influencing Digital Finance Adoption and User Satisfaction in India. International Journal for Research Trends and Innovation, 10(12), b373-b381. https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146
MLA — 9th edition
Chaudhary, Rishu, et al. "Factors Influencing Digital Finance Adoption and User Satisfaction in India." International Journal for Research Trends and Innovation, vol. 10, no. 12, 2025, pp. b373-b381, https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146.
Chicago — 17th, bibliography
Chaudhary, Rishu, et al. "Factors Influencing Digital Finance Adoption and User Satisfaction in India." International Journal for Research Trends and Innovation 10, no. 12 (2025): b373-b381. https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146.
Harvard — author–date
Chaudhary, R. et al. (2025) 'Factors Influencing Digital Finance Adoption and User Satisfaction in India', International Journal for Research Trends and Innovation, 10(12), pp. b373-b381. Available at: https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146
IEEE — numbered reference
R. Chaudhary, A. Dash, P. Kumari, J. Shreyas and M. P, "Factors Influencing Digital Finance Adoption and User Satisfaction in India," IJRTI, vol. 10, no. 12, pp. b373-b381, Dec. 2025.
Vancouver — biomedical
Chaudhary R, Dash A, Kumari P, Shreyas J, P M. Factors Influencing Digital Finance Adoption and User Satisfaction in India. IJRTI. 2025 Dec;10(12):b373-b381.
AMA — 11th edition
Chaudhary R, Dash A, Kumari P, Shreyas J, P M. Factors Influencing Digital Finance Adoption and User Satisfaction in India. IJRTI. 2025;10(12):b373-b381. Accessed at https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146
BibTeX — Zotero, Mendeley, LaTeX
@article{IJRTI2512146,
author = {Rishu Chaudhary and Adarsh Dash and Pallavi Kumari and Jeevan Shreyas and Mathuraswamy P},
title = {Factors Influencing Digital Finance Adoption and User Satisfaction in India},
journal = {International Journal for Research Trends and Innovation},
volume = {10},
number = {12},
pages = {b373-b381},
year = {2025},
month = {December},
issn = {2456-3315},
url = {https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Chaudhary, Rishu
AU - Dash, Adarsh
AU - Kumari, Pallavi
AU - Shreyas, Jeevan
AU - P, Mathuraswamy
TI - Factors Influencing Digital Finance Adoption and User Satisfaction in India
T2 - International Journal for Research Trends and Innovation
JA - IJRTI
VL - 10
IS - 12
PY - 2025
SN - 2456-3315
UR - https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146
SP - b373-b381
ER -
Issue
Volume 10 Issue 12,
December-2025
Pages : b373-b381
Other Publication Details
Paper Reg. ID
IJRTI_208529
Published Paper ID
IJRTI2512146
Downloads
205,642
Research Area
Management
Country
Oragadam Industrial Area, Tamil Nadu, India
Published
December 2025
Published Paper PDF
https://ijrti.org/papers/IJRTI2512146.pdf
Published Paper URL
https://ijrti.org/viewpaperforall.php?paper=IJRTI2512146
About Publisher
International Journal for Research Trends and Innovation
Published by IJRTI (JW Publication)
2456-3315
ISSN
10.57
Impact Factor
2016
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The content, data and findings in this article are based on the authors’ research and have been
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Declarations
Funding
No external funding was received for this study.
Conflict of Interest
The authors declare that they have no conflict of interest.
Acknowledgements
The authors would like to thank the reviewers and the editorial board of International Journal for Research Trends and Innovation for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
