The digital payment topography is budding in the country at a stride. After the demonetization, complete turnaround retraction in the payment has been monitored. The technological metamorphose and government’s manoeuvre of cashless economy, followed by demonetization has embellished the expansion of non-banking players in the banking latitude. Ewallets have made a noteworthy expanse in the Indian banking system, it becomes undeniable to study the customers' insight for the digital payments and the use of UPI. The pandemic has given a major nudge to the digital banking system, but the transformation of Indian banking from traditional banking to paperless, branchless business model is a sophisticated journey which offers a wider the latitude of prolific services and products. An attempt is made here by author to venture the digital payment system in India and check the inclination of users towards digital payment system. The study also brings forward perceptions about India’s groundwork to transpose towards digital payments. The expedition of digital payment system from pandemic towards endemic which has been an overhaul for the Indian banking industry.

Digital payment system, UPI