Digital Transactions and User Trust: A Conceptual Study on Mobile App Convenience and Security in A Cashless World

  • Authors

    • S. Swarnalatha Research Scholar, Faculty of Management, SRM Institute of Science and Technology, Vadapalani Campus, Chennai
    • Dr.M. Kalaivani Associate Professor, Faculty of Management, SRM Institute of Science and Technology Vadapalani Campus, Chennai
    https://doi.org/10.14419/rt91e209

    Received date: July 8, 2025

    Accepted date: August 14, 2025

    Published date: August 28, 2025

  • Mobile, Payment, Digital, India, Economy, Social

  • Abstract

    Google Pay, Paytm, and PhonePe, among others, have been attempting to bring the country a step closer to a cashless economy in India. Perceptions of convenience and security, to a great degree, drive the adoption of these platforms because they are widely used. For urban mortgage app users, mobile payment apps provide convenience, and given the massive adoption numbers these apps have accumulated, the convenience has prompted rural and older demographics to consider them, but security is still a major concern. The first part of this paper looks at mobile payment platforms in terms of perceived convenience and security, and socio-economic and regional disparities in mobile payment adoption, and will identify key drivers of user trust. Results and findings of the studies are evaluated using case studies and secondary data. It also looks at the role that government is playing with the help of initiatives, the regulatory frameworks, and technological advancements to achieve the current, as well as the future, landscape of digital payments in India.

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  • How to Cite

    Swarnalatha , S. ., & Kalaivani, D. . . (2025). Digital Transactions and User Trust: A Conceptual Study on Mobile App Convenience and Security in A Cashless World. International Journal of Accounting and Economics Studies, 12(4), 734-741. https://doi.org/10.14419/rt91e209