Article’s

Digital payment systems have changed how Indian consumers manage money. UPI, mobile wallets, internet banking, debit cards, and other electronic payment tools have made transactions quicker and more accessible, but this shift also raises questions about how people spend, save, and track their expenses once cash stops being the default. This paper looks at digital payment adoption in India and its connection to consumer financial behaviour, focusing on convenience, perceived security, ease of use, financial awareness, trust, transaction speed, and accessibility. The proposed study uses a quantitative design, with primary data gathered through a structured questionnaire administered to digital payment users. Descriptive statistics and suitable inferential tests will be applied to examine how adoption relates to spending patterns, budgeting, saving habits, transaction frequency, and overall financial management. The results should be useful to financial institutions, fintech firms, policymakers, and consumers looking to encourage safer and more financially sound use of digital payments. Key Words: Digital Payments, Consumer Behaviour, UPI, Financial Behaviour, Fintech, India.