USERS’ PERCEPTION ON USAGE OF G-PAY & NET BANKING – A CASE STUDY AT ERODE DISTRICT

Technology has brought a phenomenal change in the architecture of payment systems in India. Just a few years ago, payment systems in India were almost entirely based on paper, with currency and cheques. The electronic payment products in the country have progressed through two main phases — (i) introductory phase and (ii) rationalization phase. During the introductory phase, electronic products like Electronic Clearing System and Electronic Fund Transfer were introduced in the country by the Reserve Bank. The focus of the Reserve Bank during the rationalization phase has been to introduce centralized payment solutions. With technological advancement, it is today quite a complex collection of disparate arrangements, with different participants, different rules, and different processes in each place, but which all ensure quicker flow of money. Nowadays, payment made online is a frequently used and inevitable mode. This study deals with the users’ opinion about G-Pay and online banking in Erode district.

© 2026 — Authors retain the copyright of this article. This is an open access article distributed under the Creative Commons Attribution License (CC BY 4.0) , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.