International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Trust and Security Perceptions of Digital Payment Systems: A Comparative Analysis Across Selected Demographic Groups

Author(s) Dr. Pushpa Verma, Laxita Choubisa
Country India
Abstract The rapid expansion of digital payment systems has transformed financial transactions, placing user trust and perceived security at the centre of sustained adoption. Despite widespread usage, concerns related to transaction safety and data protection continue to influence user confidence. The present study examines whether trust and security perceptions of digital payment systems differ significantly across selected demographic groups, specifically age and education level. A descriptive research design with a quantitative approach was employed, and primary data were collected from 258 digital payment users in Southern Rajasthan using a structured questionnaire. Trust perception and security perception were measured using validated Likert-scale instruments, and reliability was established through Cronbach’s alpha. Descriptive statistics and one-way analysis of variance were applied to test differences across demographic categories. The findings indicate that trust and security perceptions do not vary significantly across age groups or educational qualifications. While respondents demonstrated a moderate level of trust in digital payment systems, perceived security remained comparatively lower across all demographic segments. The absence of significant demographic differences suggests that user perceptions are influenced more by common system experiences than by socio-demographic characteristics. The study contributes empirical evidence on the relative uniformity of digital payment perceptions and highlights the need for system-wide strategies to strengthen perceived security and reinforce user trust.
Keywords Digital payment systems, Trust perception, Security perception, Demographic differences.
Field Business Administration
Published In Volume 7, Issue 6, November-December 2025
Published On 2025-12-30
DOI https://doi.org/10.36948/ijfmr.2025.v07i06.65494
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E-ISSN 2582-2160
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