International Journal of Scientific Research and Engineering Development

The rapid growth of digital technology has transformed the traditional payment system into a cashless and convenient mode of transaction. In India, digital payment applications such as Google Pay and PhonePe have become highly popular among consumers due to their ease of use, speed, security, and accessibility. The present study focuses on customer perception towards digital payment systems with special reference to Google Pay and PhonePe. The research aims to analyse the level of awareness, preference, satisfaction, and challenges faced by users while using these applications. The study is based on primary data collected through a structured questionnaire from respondents belonging to different age groups, occupations, and income levels. Secondary data were gathered from journals, articles, and published reports related to digital payment systems. The findings indicate that convenience, cashback offers, transaction speed, and security are the major factors influencing customer preference towards digital payment platforms. The study also reveals that users increasingly prefer UPI-based transactions over traditional cash payments because of technological advancement and government initiatives promoting a cashless economy. However, issues such as network failure, transaction errors, and security concerns continue to affect customer confidence to some extent. Overall, the research concludes that Google Pay and PhonePe play a significant role in enhancing digital financial transactions and improving customer experience in the modern payment ecosystem.

K.Beema Rao,"Customer Perception Towards Digital Payment System With Reference to Gpay and Phonepe in Tiruchirappllai City" International Journal of Scientific Research and Engineering Development, V9(3): Page(380-387) May-June 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.