Digital Payment Adoption: An Analysis of Usage Patterns Across Demographic Segments

Abstract

This study investigates the adoption and usage patterns of digital payments across various demographic segments in Hamirpur, Himachal Pradesh. Data were collected through a structured survey administered during an internship program, covering 100 respondents across urban and rural areas. The findings highlight significant differences in adoption rates based on age, gender, and residential location, providing insights into digital financial inclusion. Tables and graphs illustrate adoption disparities and preferred payment methods. The study concludes with recommendations for increasing digital payment penetration among underrepresented groups.

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