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Article History

Received: 27 November 2024

Accepted: 10 June 2025

First Online: 9 July 2025

Change Date: 11 August 2025

Change Type: Update

Change Details: In this article, the citation metadata for the author Padma Kiran K. was listed as “K, P.K.” , this has been updated to reflect the correct name as “Padma Kiran, K.” to ensure accurate indexing and citation. The original article has been corrected.

Ethical approval

: This study is a non-interventional, survey-based research project involving adult human participants. It complies with institutional ethical standards and internationally recognized ethical guidelines, including the Declaration of Helsinki. The study was approved by the Research Progress and Assessment Committee (R-PAC) of KLEF Deemed to be university on 17 August 2023 (Approval Code: RPAC/PhD/2023/1029) where Padma Kiran K is pursuing a PhD. Additionally, as part of the author’s PhD research, the study received ethical approval from the university.

: This study involved adult human participants who completed a questionnaire as part of the research. Informed consent was obtained from all individual participants between 22 August 2023 and 20 February 2024 who were involved in the study. Participants were informed about the purpose of the study and were assured that their personal details would be kept confidential. They were informed that their participation was voluntary and that they could withdraw at any time without any consequences. The questionnaire included questions designed to assess participants’ opinions on the (UPI) Unified Payments Interface usage for digital payments. This allowed the researchers to gather insights into participants’ perspectives on these matters.

: The authors declare no competing interests.