Abstract
This study explores consumer preferences and perceptions towards digital wallets, with a specific focus on their role in facilitating cashless transactions. Conducted in Tiruchirappalli, Tamil Nadu, the research examines the factors influencing digital wallet usage, including perceived usefulness, ease of use, security, and promotional offers. A sample of 160 respondents was surveyed using a structured questionnaire, and the data was analyzed using statistical tools such as Chi-Square test, ANOVA, and Multiple Regression Analysis. The findings reveal that perceived usefulness, ease of use, security, and promotional offers significantly affect the frequency of digital wallet usage. The study also highlights the importance of demographic factors, particularly age, in shaping consumer behavior. The results suggest that enhancing these key factors can lead to higher adoption rates and increased usage of digital wallets, thereby contributing to the growth of a cashless economy. The study provides valuable insights for digital wallet providers, policymakers, and businesses aiming to increase consumer engagement with digital payment systems.
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