Abstract: COVID-19 has been a serious health disease due to which the whole globe was declared as pandemic and shuts all business through implementing worldwide lockdown by governments of every nation in order to safeguard health’s and lives of common people suffering to which numerous individuals lost their existence. The global pandemic has increased use of digital payments less use of cash payments in circulation. Although there was an increase in usage of digital services but this pandemic wave has encouraged people from towns and villages to use them in their routine and this study shows that there will be a continuous increase in adoption and use of digital payment applications as people are now getting aware in India.

Keywords: Covid-19, Demonetization, Digital payments, E-banking, UPI

| DOI: 10.17148/IARJSET.2023.10205