FROM UPI TO INTELLIGENT FINANCE: ASSESSING THE ROLE OF DIGITAL PAYMENT EXPERIENCES IN DEVELOPING FINANCIAL RESILIENCE AMONG GENERATION Z
Keywords:
Unified Payments Interface (UPI), Generation Z, Financial Resilience, Digital Financial Literacy, Intelligent FinanceAbstract
The study examines the role of Unified Payments Interface (UPI) experiences, digital financial literacy, and intelligent financial tools in developing financial resilience among Generation Z in India. A quantitative research framework involving 200 respondents is proposed to assess payment convenience, spending behaviour, savings practices, and financial preparedness. Illustrative survey data indicate that 63% use UPI daily, 87% consider digital payments convenient, and 78% believe transaction records improve expenditure monitoring. However, only 57% maintain emergency savings, while 48% report being able to manage unexpected expenses without borrowing. Additionally, 59% associate digital payment convenience with unnecessary spending. NPCI reported approximately 24.07 billion UPI transactions in September 2026, highlighting India's expanding digital payment ecosystem. The study suggests that financial literacy, responsible spending, and intelligent budgeting tools may strengthen financial resilience. Empirical validation through actual survey responses is necessary to establish statistically significant relationships and inform financial education initiatives.
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