BIBLIOGRAPHY

BOOKS:

 Deepak Chawla & Neena Sondhi, Research Methodology-Concepts & Cases, Vikas
Publishing House
 Kothari, C.R and Garg, Gaurav, Research methodology. New Age International
Publishers
 Kishore, M. Ravi, “Financial Management – with Problems and Solutions”,
TaxmannAllied Services (P) Ltd.

 Rajiv Srivastava, Anil Misra- Financial Management, Oxford Higher Education.

WIBLOGRAPHY
 https://www.icommercecentral.com/open-access/study-of-consumer-perception-of-
digital-payment-mode.php?aid=86419
 https://www.researchgate.net/publication/
368849940_A_Study_of_Consumer_Perceptions_on_Digital_Payment_System_in_In
dia_with_Special_Reference_to_Mysuru_District
 https://www.abacademies.org/articles/a-study-on-consumers-perception-towards-
digital-payments-in-rural-and-urban-areas-15115.html

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APPENDIX:

Demographic factors

1. AGE

 18 to 20
 21 to 30
 31 to 40
 41 above

2. Gender

 MALE
 FEMALE
 PREFER NOT TO SAY
 Other
3. Occupation

 Business
 Employee
 Student
 Other
4. Which digital payment platforms do you currently use?

 Google Pay
 Paytm
 Phone Pay
 Other:

5. What is your primary reason for using digital payment systems?

 Convenience
 Security
 Speed of transactions
 Incentives or rewards

6. How often do you use digital payment systems for your daily transactions?

 Very frequently
 Somewhat frequently
 Occasionally
 Rarely or never

7. Which of the following factors would encourage you to use digital payment systems more
often?

 Lower transaction fees

 Exclusive discounts or offers
 Enhanced user interface and experience
 Stronger privacy protection

8. How confident are you in the security of digital payment systems?

  Very confident
 Somewhat confident
 Neutral
 Not confident at all

9. What concerns you the most about using digital payment systems?

 Privacy of personal information

 Unauthorized transactions
 Technical glitches or errors
 Data breaches
 Other

10. Which factors influence your decision to use digital payment systems?

 Convenience
 Security features
 Speed of transactions
 Rewards or cashback offers
 Familiarity with the platform
 Peer recommendations
 Other

11. How often do you review the privacy and security settings of your digital payment
accounts?

 Regularly
 Occasionally
 Rarely
 Never

12. What would make you feel more secure when using digital payment systems?

 Two-factor authentication
 Biometric verification (fingerprint, facial recognition, etc.)
 Enhanced encryption for transactions
  Regular security updates and notifications

13. How well do you think digital payment platforms communicate their privacy and security
practices to users?

 Very well
 Moderately well
 Not very well
 Poorly

14. Which factor contributes the most to your trust in a digital payment platform's security?

 Company reputation
 Transparent privacy policy
 Positive user reviews
 Endorsements from regulatory authorities

15. Do you believe that your personal information is adequately protected when using digital
payment systems?

 Yes, always
 Yes, most of the time
 Sometimes
 No, never

16. Have you ever experienced any issues or challenges when using digital payment systems?

 Yes, frequently
 Yes, occasionally
 Rarely
 Never

17. How much do you think about the potential risks (e.g., identity theft, fraud) when making
digital payments?

 A lot
 Somewhat
  Not much
 Not at all

18. How comfortable are you using digital payment methods on your smartphones?

 Very comfortable
 Comfortable
 Neutral
 Uncomfortable

19. What is your primary reason for using digital payment options?

 Convenience
 Security
 Speed of transactions
 Rewards and incentives

20. How important is the availability of digital payment options when choosing where to
shop or do business?

 Very important
 Important
 Somewhat important
 Not important

21. Do you find it easy to keep track of your expenses when using digital payment methods?

 Very easy
 Moderately easy
 Somewhat difficult
 Very difficult

22. Have you ever encountered any difficulties or issues while using digital payment
systems?

 Yes, frequently
 Yes, occasionally
  Rarely
 Never

23. What factor do you consider most important in building trust in digital payment systems?

 Clear and transparent terms of use

 Strong data protection measures
 Verified user reviews and ratings
 Regular communication about security updates

24. What feature would make you more likely to trust a new digital payment system?

 Clear explanations of how data is handled

 Robust customer support for security concerns
 Third-party security audits and certifications
 Personalized security recommendations

25. Would you be more likely to trust a digital payment system that offers comprehensive
fraud protection?

 Yes, significantly
 Yes, to some extent
 No, not really
 No, not at all

26. Which communication method would most effectively enhance your trust in a digital
payment platform's security?

 Regular email updates on security measures

 In-app notifications about recent security enhancements
 Educational webinars on secure usage
 Printed security guides and brochures

27. How influential are recommendations from friends and family in building your trust in
digital payment platforms?

 Very influential
  Somewhat influential
 Not very influential
 Not influential at all

28. How would a loyalty program or rewards system impact your trust in a digital payment
platform's credibility?

 Positively, I would trust it more

 No impact on my trust
 Negatively, I would trust it less