In recent years, the landscape of financial transactions in India has undergone a profound transformation, driven by advancements in digital technology and the proliferation of smartphones and internet access. This shift has been further accelerated by government initiatives promoting a cashless economy and the widespread adoption of user-friendly digital platforms. This study aims to examine the usage patterns, preferences, challenges, and security perceptions surrounding digital transaction methods among different demographic groups, with a focus on the role of age, usage frequency, transaction purposes, and technological adaptability.

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