Abstract: This study explores the growing preference for modern digital payment systems over traditional financial services. Findings reveal that most users, especially those aged 18–25 and educated females, actively use and trust financial apps such as Google Pay and PhonePe. Convenience, time efficiency, and ease of use are the main reasons for this shift. However, concerns about security and limited adoption among older or less-educated groups persist. The study concludes that digital payments are rapidly transforming financial behavior, and further efforts are needed to make fintech platforms more secure, inclusive, and user-friendly.

Keywords: digital/modern payments, traditional payments, fintech, financial services.

Downloads: | DOI: 10.17148/IARJSET.2025.1211016