The Transformative Impact of UPI on Indian Fintech Landscape

Joshy, Antony Jobin (2024) The Transformative Impact of UPI on Indian Fintech Landscape. Masters thesis, Dublin, National College of Ireland.

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Abstract

In this Dissertation, the transformative effect of Unified Payments Interface (UPI) on young professionals and small business owners in Bangalore regarding their financial behaviours and business operations will be studied. Through a survey involving sixty respondents, it examines UPI’s impact on digital transaction frequency, spending habits, financial management and trust in digital payment platforms. Findings from the study show that there is a significant improvement in the use of UPI for money transfer among young professionals with varying degrees of trust determining usage patterns. Integration of UPI in small businesses has slight positive influence on financial management. The findings suggest that UPI has the potential to promote financial inclusion but also calls for improving security perception for increased adoption. This article provides insight into how fintech innovations reshape present-day Indian financial ecosystems.

Item Type:	Thesis (Masters)
Supervisors:	Name Email Onwuegbuche, Faithful UNSPECIFIED
Subjects:	D History General and Old World > DS Asia H Social Sciences > HG Finance H Social Sciences > HG Finance > Fintech T Technology > T Technology (General) > Information Technology > Fintech H Social Sciences > HD Industries. Land use. Labor > Small Business Sector
Divisions:	School of Computing > Master of Science in FinTech
Depositing User:	Ciara O'Brien
Date Deposited:	05 Aug 2025 10:24
Last Modified:	05 Aug 2025 10:24
URI:	https://norma.ncirl.ie/id/eprint/8421

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