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Abstract
Telecommunication network and mobile technology works like wonder in social as well as financial life to the man similarly digitization of financial transaction put powerful impact on routine transaction of customers. Now making payment is just a click away, the use and easy availability of smart phones playing important and smart role in it.
Demonetization changed this scenario rapidly online payment system has got tremendous success, Mobile wallet, and paytm are the example of it. Lunching of UPI (Unified Payment Interface) by Indian Government in November 2017 gave a tough competition to existing payment interface and gain popularity because of its easy interface and easy adoption process.