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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Impact Factor : 8.14
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| Paper Title: | Factors Influencing Digital Finance Adoption and User Satisfaction in India |
| Authors Name: | Rishu Chaudhary , Adarsh Dash , Pallavi Kumari , Jeevan Shreyas , Dr. Mathuraswamy P |
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IJRTI_208529
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| Published Paper Id: | IJRTI2512146 |
| Published In: | Volume 10 Issue 12, December-2025 |
| DOI: | |
| 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. |
| Keywords: | Digital Finance, FinTech Adoption, User Satisfaction, Convenience, Trust, Cashless Transactions, Traditional Banking System |
| Cite Article: | "Factors Influencing Digital Finance Adoption and User Satisfaction in India", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 12, page no.b373-b381, December-2025, Available :http://www.ijrti.org/papers/IJRTI2512146.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2512146
Registration ID:208529
Published In: Volume 10 Issue 12, December-2025
DOI (Digital Object Identifier):
Page No: b373-b381 Country: Oragadam Industrial Area, Tamil Nadu, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2512146 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2512146 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
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