IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.
ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(CrossRef DOI)
| IJCRT Journal front page | IJCRT Journal Back Page |
Paper Title: CSR PRACTICES OF PUBLIC SECTOR UNITS IN INDIA- A CASE STUDY
Author Name(s): Dr. Radha Rani Kothakolla
Published Paper ID: - IJCRT25A4043
Register Paper ID - 282819
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4043 and DOI :
Author Country : Indian Author, India, 523001 , Prakasam District. 523001., 523001 , | Research Area: Arts1 All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4043 Published Paper PDF: download.php?file=IJCRT25A4043 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4043.pdf
Title: CSR PRACTICES OF PUBLIC SECTOR UNITS IN INDIA- A CASE STUDY
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Arts1 All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i840-i847
Year: April 2025
Downloads: 233
E-ISSN Number: 2320-2882
Pandit Jawaharlal Nehru, first India's Prime Minister, called public sector units (PSU) as 'the temples of modern India'. Public Sector Enterprises play a crucial role in development of the nation's economy and many of these enterprises have taken the initiatives of Corporate Social Responsibility (CSR) practices which have met with varying needs of the society. The present study has made an attempt to diagnose the CSR practice in PSU of Maharatnas through the fund allocated and utilized before and after the companies act 2013. The study found that Maharatna enterprises have not been able to fully spend their CSR budget, the utilized amount is only 50% from their allocated amount. Finally this paper concluded that Maharatna enterprises are not taking much CSR initiatives as they don't see any support from the governments. Some kind of financial incentives should be given to PSUs so that they can feel motivated and undertake more and more CSR activities.
Licence: creative commons attribution 4.0
CSR, Funds, PSU and Maharatna Enterprises
Paper Title: FOOD INSECURITY DURING COVID-19 PERIOD : AN ANALYSIS FOR ODISHA.
Author Name(s): Mr. Bishnu Toppo, Dr. Simanchal Bag, Dr. Uma Charan Pati
Published Paper ID: - IJCRT25A4042
Register Paper ID - 282891
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4042 and DOI :
Author Country : Indian Author, India, 770074 , Sundargarh, 770074 , | Research Area: Medical Science All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4042 Published Paper PDF: download.php?file=IJCRT25A4042 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4042.pdf
Title: FOOD INSECURITY DURING COVID-19 PERIOD : AN ANALYSIS FOR ODISHA.
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Medical Science All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i827-i839
Year: April 2025
Downloads: 180
E-ISSN Number: 2320-2882
The present study examines and analyses the problem of food insecurity in Odisha during COVID-19. Odisha is one of the classical cases among Indian states, where the per capita net availability of food grains has remained at a higher level than that of all India for most of the years during 1961 to 2018. But, still there is highest percentage of Poverty, Malnutrition, Infant mortality and higher food deprivation in the state. These problems are most worsted during COVID-19 lockdown. Emerging as a public health crisis, the COVID-19 pandemic has ensured several negative effects, which have directly and indirectly threatened the food and nutrition security of vulnerable populations across the country, including Odisha. Hence, impact of COVID-19 on food insecurity (an already existing problem), it seems to be relevant to look in to the same problem. The present study is based on secondary data. We examine the impact of COVID-19 on the two pillars of Food Security (i.e., availability and accessibility) by taking GSVA data for all sectors of Odisha and India for the year 2012-13 to 2020-21 from DE & S Odisha and data on Per Capita Income and employment placement, inflation and employment generated under MGNREGA for the year 2011-12 to 2020-21 from DE & S Odisha, Directorate of Employment, GoI, Panchayati Raj & Drinking water Department, Govt of Odisha, and Economic Survey 2021 respectively. We also analyses the Public Distribution System (PDS) functioning of at micro level with respects to achieve the objectives food security (i.e., consumption) and economic distribution during COVID-19 by taking data from different published journals. As the PDS is one of the popularist welfare public policy adopted by the government of India since 1950. The impact of floods and cyclones on food insecurity are also discussed by taking data from Directorate of Agriculture and food Production for the last 10 years. The study found that COVID-19 has had an effect on the ability of vulnerable households to access enough quality food for their families. Lack of income, job losses and inflation are the main obstacle to access enough food during COVID-19lockdown. Simultaneously, disruptions in supply of food system, irregular of the Public Distribution System and Mid-day meals also affected the food security. The study suggests that, to increase the quantity of providing food and cash assistance to the vulnerable while exploring creative longer-term solutions, including strategies to reach the most vulnerable more efficiently and effectively.
Licence: creative commons attribution 4.0
Food Insecurity, Public Distribution System and COVID-19.
Paper Title: A STUDY ON FINANCIAL PERFORMANCE OF STATE BANK OF INDIA
Author Name(s): Srilakshman M, R. Mayilsamy
Published Paper ID: - IJCRT25A4041
Register Paper ID - 283057
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4041 and DOI :
Author Country : Indian Author, India, 641031 , COIMBATORE, 641031 , | Research Area: Commerce All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4041 Published Paper PDF: download.php?file=IJCRT25A4041 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4041.pdf
Title: A STUDY ON FINANCIAL PERFORMANCE OF STATE BANK OF INDIA
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Commerce All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i822-i826
Year: April 2025
Downloads: 337
E-ISSN Number: 2320-2882
The study centers on the performance of the State Bank of India (SBI) on its financial performance relative to the most significant parameters of profitability, liquidity, and the solvency ratio. From the information presented through annual reports and financial statements, the study analyzes the performance of SBI on values of ratios such as Current Ratio (CR), Quick Ratio (QR), Non-Performing Assets (NPA), and Interest Coverage Ratio (ICR). The outcome is an indication of the well-being and development of SBI and ongoing issues with non-performing assets. The report suggests towards greater financial efficiency as well as performance.
Licence: creative commons attribution 4.0
Public Sector Banks, Profitability Analysis, Ratio Analysis .
Paper Title: ICT and Library Automation: Revolutionizing Information Access and Management
Author Name(s): Srinivas Puala
Published Paper ID: - IJCRT25A4040
Register Paper ID - 283017
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4040 and DOI : http://doi.one/10.1729/Journal.44878
Author Country : Indian Author, India, 768019 , Burla, Sambalpur, 768019 , | Research Area: Social Science All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4040 Published Paper PDF: download.php?file=IJCRT25A4040 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4040.pdf
Title: ICT AND LIBRARY AUTOMATION: REVOLUTIONIZING INFORMATION ACCESS AND MANAGEMENT
DOI (Digital Object Identifier) : http://doi.one/10.1729/Journal.44878
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Social Science All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i815-i821
Year: April 2025
Downloads: 197
E-ISSN Number: 2320-2882
The integration of Information and Communication Technology (ICT) into library systems has revolutionized the management and dissemination of information, marking a significant shift from traditional manual operations to automated, digital processes. Library automation, driven by ICT tools such as Integrated Library Management Systems (ILMS), online catalogs, RFID, and digital databases, has transformed how libraries organize, store, and provide access to resources. This paper explores the role of ICT in enhancing the efficiency, accessibility, and user engagement in modern libraries. It also highlights the benefits, such as improved service delivery and cost-effectiveness, alongside challenges including financial constraints, technological dependencies, and the digital divide. Ultimately, the integration of ICT and automation not only streamlines library operations but also redefines the library's role in a rapidly evolving digital information landscape.
Licence: creative commons attribution 4.0
Library Automation; Digital Libraries; RFID Technology; Information Access; Resource Management; User Engagement; Digital Transformation
Paper Title: EMOTIONAL CHARACTERISTICS MATTERS OR ECONOMIC ADVANTAGES ATTRACT: A CASE STUDY OF DISTRESS MIGRANTS.
Author Name(s): Dr. Simanchal Bag, Mr. Bishnu Toppo, Dr. Uma Charan Pati
Published Paper ID: - IJCRT25A4039
Register Paper ID - 282892
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4039 and DOI :
Author Country : Indian Author, India, 766108 , Nuapada, 766108 , | Research Area: Medical Science All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4039 Published Paper PDF: download.php?file=IJCRT25A4039 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4039.pdf
Title: EMOTIONAL CHARACTERISTICS MATTERS OR ECONOMIC ADVANTAGES ATTRACT: A CASE STUDY OF DISTRESS MIGRANTS.
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Medical Science All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i798-i814
Year: April 2025
Downloads: 195
E-ISSN Number: 2320-2882
Distress migrants are moving towards nearby developed cities or town with the hope of getting better opportunities which can uplift their living standard. But, fact of the matter is that distress migration associated with number of drudgery and exploitations. There are number of schemes and policies taken up by government to check the distress type of migration but still distress migration is a perennial issue in the KBK region of Odisha. The present study tried to put light on importance of qualitative factor such as emotion while taking decision of migration. The study was based on primary data and the data are collected by using self-structured questionnaire. To measure Emotional Intelligence of distress migrants a standardised scale was adopted. Collected data are analysed by using descriptive statistics such as percentage and to understand the impact of emotional intelligence in the decision making capability of migrants, F-test has been used. The study find out that most of the migrants have higher emotional attachment with their family members but still they move out by leaving their family. Therefore, emotional characteristics of migrants do not put strong influence on their decision making because for them economic attraction is greater than family emotions.
Licence: creative commons attribution 4.0
Distress Migration, Push and Pull factors, Emotional Intelligence, qualitative factor, Exploitation
Paper Title: VotEx Blockchain Portal
Author Name(s): Manikandan Ashokkumar, Vembattimuthu Konar, Vignesh Gunasekaran, Krushi Trapasia
Published Paper ID: - IJCRT25A4038
Register Paper ID - 282985
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4038 and DOI :
Author Country : Indian Author, India, 400703 , Navi Mumbai, 400703 , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4038 Published Paper PDF: download.php?file=IJCRT25A4038 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4038.pdf
Title: VOTEX BLOCKCHAIN PORTAL
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i792-i797
Year: April 2025
Downloads: 167
E-ISSN Number: 2320-2882
This document is a model and instructions for LATEX. Online voting is an emerging trend that offers significant advantages, such as reducing organizational costs, increasing voter turnout, and eliminating the need for physical polling stations. However, traditional digital voting systems face criti- cal challenges, including security vulnerabilities, lack of trans- parency, and susceptibility to manipulation. To address these concerns, blockchain technology presents a decentralized, secure, and transparent solution for electronic voting. This study explores blockchain-based voting systems, high- lighting their potential to enhance legitimacy, accuracy, safety, and convenience in elections. Blockchain's end-to-end verifica- tion, distributed architecture, and cryptographic security make it a strong alternative to traditional voting methods. The proposed system integrates a scalable blockchain framework with flexible consensus algorithms to ensure secure and efficient transactions. The Chain Security Algorithm enhances vote integrity, while smart contracts facilitate secure user interactions. Additionally, cryptographic hashing. Despite its advantages, blockchain voting faces challenges such as privacy protection and transaction speed, which must be optimized for large-scale adoption. This research presents a performance evaluation of the proposed system, demonstrating its feasibility for large-scale elections. By leveraging blockchain, this approach aims to restore trust in electoral processes, ensuring fairness, transparency, and the protection of democratic rights.
Licence: creative commons attribution 4.0
Blockchain Voting, Electronic Voting, E-Voting System, Secure Voting, Smart Contracts, Cryptographic Hashing, Consensus Algorithms, Election Security, Decentralized Systems, Voter Privacy, Digital Democracy, End-to-End Verification, Blockchain Scalability, Chain Security Algorithm, Transparent Elections
Paper Title: SUBJECTIVE WELL-BEING AND ECONOMIC MAXIMISATION: A CROSS GENERATIONATIONAL EXPLORATION
Author Name(s): Ms. Smruti Pooja Dash, Dr. Uma Charan Pati
Published Paper ID: - IJCRT25A4037
Register Paper ID - 282913
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4037 and DOI :
Author Country : Indian Author, India, 768028 , Bargarh, 768028 , | Research Area: Medical Science All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4037 Published Paper PDF: download.php?file=IJCRT25A4037 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4037.pdf
Title: SUBJECTIVE WELL-BEING AND ECONOMIC MAXIMISATION: A CROSS GENERATIONATIONAL EXPLORATION
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Medical Science All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i781-i791
Year: April 2025
Downloads: 221
E-ISSN Number: 2320-2882
This study examines the relationship between life happiness and the maximisation tendency--a decision-making style that aims for the greatest possible outcome--across three generations with different economic behaviours: Millennials, Generation Z, and Baby Boomers. To determine the direction and intensity of this association, we perform independent regression analyses for each cohort using the Maximisation Inventory (MI) and the Satisfaction With Life Scale (SWLS). The research shows that there are considerable generational differences in the relationship between life happiness and maximisation, which has ramifications for financial decision-making. Although SWLS explains little of the variance in MI, baby boomers show a modest to moderate positive connection, indicating that better life satisfaction is weakly connected with larger maximisation inclinations in their economic choices (e.g., investing, purchasing). A similar but less noticeable trend is indicated by Generation Z's weak positive correlation. Interestingly, there is no discernible association among Millennials, indicating that variables other than general life satisfaction influence their maximisation behaviours. These generational disparities have consequences for targeted economic policy and marketing efforts geared at these cohorts, and they emphasise the significance of taking subjective well-being into account when predicting economic conduct.
Licence: creative commons attribution 4.0
Satisfaction with Life, Maximization Inventory, Happiness, Subjective Well-being.
Paper Title: Development Of A Smart SOS Application For Real-Time Emergency Response
Author Name(s): AKANKSHA KADAM, ISHA INAMDAR, DNYANESHWARI VARAL, SAKSHI PARADKAR, RENUKA VAIDYA
Published Paper ID: - IJCRT25A4036
Register Paper ID - 282918
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4036 and DOI :
Author Country : Indian Author, India, 411041 , pune, 411041 , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4036 Published Paper PDF: download.php?file=IJCRT25A4036 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4036.pdf
Title: DEVELOPMENT OF A SMART SOS APPLICATION FOR REAL-TIME EMERGENCY RESPONSE
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i770-i780
Year: April 2025
Downloads: 227
E-ISSN Number: 2320-2882
The safety of women is a concern of increasing urgency in India and other countries. With increase in the crime rate against women, the rate of usage of technology also increases. Therefore, this research paper aims to find an approach where the increasing crime rate can be prevented. The best way is to give a technological way to this problem, and finally an android based App is designed and developed with title "NeedUNow app". This application tracks the location of the user through GPS and allows an individual to immediately request for help in disastrous situations with just a tap. It transmits the user's location and an alert message to the user's trusted and registered contacts when the user feels unsafe. These contacts can track the user's location in real time and provide the required help. The proposed system, NeedUNow, is a secure, smart, and reliable application designed to enhance women's safety by providing various advanced features. These include Emergency Alert & Incident Reporting Mechanism - Instantly sends distress signals and reports emergencies to trusted contacts or authorities. Live Location Tracking & Map View Mechanism - Displays real-time user location for emergency responders and trusted contacts.
Licence: creative commons attribution 4.0
Android applications, Emergency response systems, Medical Location tracking, Multilingual medical data , Offline gesture activation, Emergency safety, Flutter, Firebase.
Paper Title: Advances In Analytical Methods For Chikungunya Vaccine Efficacy Studies
Author Name(s): Apurva Shrenik Chougule
Published Paper ID: - IJCRT25A4035
Register Paper ID - 282966
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4035 and DOI :
Author Country : Indian Author, India, 416101 , Jaysingpur, Kolhapur, 416101 , | Research Area: Pharmacy All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4035 Published Paper PDF: download.php?file=IJCRT25A4035 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4035.pdf
Title: ADVANCES IN ANALYTICAL METHODS FOR CHIKUNGUNYA VACCINE EFFICACY STUDIES
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Pharmacy All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i760-i769
Year: April 2025
Downloads: 183
E-ISSN Number: 2320-2882
Chikungunya is a mosquito borne enfeebling disease caused by CHIK virus, an alphavirus belonging to family Togaviridae (Sudeep A. B and Parashar D., 2008). CHIKV infection presents itself as a febrile illness known as chikungunya fever (CHIKF) (De Lima Cavalcanti, T.Y.V.; 2022). Recent advances in analytical methods for assessing chikungunya vaccine efficacy have significantly enhanced our understanding of immune responses and clinical outcomes. More advanced techniques like high-throughput sequencing, multiplex assays, and advanced immunological profiling have replaced traditional methods like serological assays, allowing for a more thorough assessment of humoral and cellular immunity in response to vaccination. Interestingly, the use of bioinformatics tools has made it easier to analyze complex datasets, which has resulted in the identification of potential biomarkers for vaccine efficacy.(Tsetsarkin, K., et al., 2019; Cerny, T., & Munoz-Fontela, C. 2020)Additionally, the use of animal models and clinical trials using these new analytical techniques has given important insights into the mechanisms of protection provided by chikungunya vaccines, and as research continues, these developments will be essential in improving vaccine formulations and strategies for managing Chikungunya virus outbreaks ( Al-Muhammad, H., et al. 2021).
Licence: creative commons attribution 4.0
Chikungunya, vaccination, clinical development, computational methods, serological assays, vaccine development, machine learning, molecular methods.
Paper Title: ATTITUDE OF CUSTOMERS TOWARDS SELECTED UPI APPLICATIONS, WITH SPECIAL REFERENCE TO COIMBATORE CITY
Author Name(s): DHARANEESH N.M, Dr. R. Mayilsamy
Published Paper ID: - IJCRT25A4034
Register Paper ID - 282921
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRT25A4034 and DOI :
Author Country : Indian Author, India, 641 602 , Tiruppur, 641 602 , | Research Area: Commerce All Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4034 Published Paper PDF: download.php?file=IJCRT25A4034 Published Paper PDF: http://www.ijcrt.org/papers/IJCRT25A4034.pdf
Title: ATTITUDE OF CUSTOMERS TOWARDS SELECTED UPI APPLICATIONS, WITH SPECIAL REFERENCE TO COIMBATORE CITY
DOI (Digital Object Identifier) :
Pubished in Volume: 13 | Issue: 4 | Year: April 2025
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Commerce All
Author type: Indian Author
Pubished in Volume: 13
Issue: 4
Pages: i754-i759
Year: April 2025
Downloads: 192
E-ISSN Number: 2320-2882
The Unified Payment Interface (UPI) has significantly transformed the digital payment ecosystem in India, especially in regions like Coimbatore that consist of both urban and semi-urban populations. This study aims to analyze customer attitudes toward selected UPI applications -- Google Pay, PhonePe, and Paytm -- by examining factors such as ease of use, security, transaction speed, reliability, user interface, and trust. It also explores how demographic variables like age, income, education, and occupation influence customer preferences and usage patterns. A descriptive research design was adopted, using a well-structured questionnaire to collect primary data from users in the Coimbatore district. Secondary data was sourced from journals, articles, and previous studies. Analytical tools including simple percentage analysis, Likert scale analysis, ranking analysis, chi-square analysis, and t-test were used to interpret the collected data. The study seeks to identify the reasons why customers prefer or avoid using specific UPI apps, the problems they face, and their suggestions for improvement. It also tests the hypothesis that there is no significant relationship between gender and frequency of app usage. The research was conducted over a period from December 2024 to April 2025. Findings from this study are intended to provide actionable insights for app developers, financial institutions, and policymakers to enhance UPI adoption rates, address user concerns, and optimize the overall digital payment experience. However, the study is geographically limited to Coimbatore and may be influenced by self-reported data biases and sample size constraints.
Licence: creative commons attribution 4.0
Unified Payment Interface (UPI), Customer Attitudes, Digital Payment, Demographic Variables.

