INTERNATIONAL JOURNAL OF ENGINEERING MANAGEMENT AND
SOCIAL SCIENCES
(An International Peer-Reviewed Multi-Disciplinary Journal)
ISSN : 3139-065X
www.ijemss.com
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Digital payment systems have transformed banking by providing fast, secure, and convenient financial transactions. This study examines the adoption of digital wallets and payment systems at Union Bank of India, Hyderabad, using secondary data from 2021–2022 to 2025–2026. The findings show a significant increase in the use of UPI, mobile banking, internet banking, and digital wallets. The study concludes that digital payments have improved customer convenience, banking efficiency, and financial inclusion. It recommends strengthening cybersecurity, digital infrastructure, and customer awareness to support the continued growth of digital banking.