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Questionnaire

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Age-- 19-30, 30-50, 50+

Awareness about digital Payments-- Not aware at all, Somewhat aware, Fully Aware
but not using, Fully aware and using
Sophistication with technology-- 0,1,2,3,4,5
Do they have bank accounts?

From where did they learn about digital payments for the first time? From family,
friends, Customers, TV and other media, Competitors

Those who click Aware: Are they ready to use or currently using digital payments?
or not

If they are using or ready to use: Asking them about the benefits of digital
payments

If they are not aware/not using/not ready to use: Ask them about the reasons for
the same.And specifically why they use cash.

Further questions:
1) MODE OF DIGITAL TRANSACTIONS USED: POS,Mobile Waller,UPI or others.

2) ADVANTAGES OF DIGITAL TRANSACTIONS: Convinience, Reduced Risk factor,


Transparency and accountability, Reduced credit sales( Get paid in full unlike in
other scenarios),

3) DISADVANTAGES: Trust Issues , Overspending, Transaction costs, Delay in bank


servers(Sometimes), Poor network, Losing bank interests(Due to keeping money in
payment wallets which donot
pay interests like banks), Resistance to change( Just resistant because the
existing method is comfortable), Risk of losing phones which might lead to losing
money, lack of proper devices, unfriendly technology
fear of faulty transactions, Inability to understand the languages in apps.s

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Marital Status - Married/Unmarried

Age - <25, 25-35, 35-45, 45+

Educational Qualification - No education, primary, higher secondary,


Degree/Diploma, PG

Occupational Status - Government, private, business, housewife, agri related,


student

Monthly income - <5000, 5k-10k, 10k-20k , 20k+

Aware/not aware

Sources of awareness if aware --- Television, social media, newspaper,


advertisements, Internet, family/friends

Preference? to use digital

Preferred modes if they prefer digital ? ---- Credit/debit card, netbanking, mobile
banking, Neft/RTGS, UPI

Reasons for preferring?

Reasons for not preferring?

Opinion about if digital payments are necessary or not? YES/NO

Opinion about demonitization and usage of digital payments? Like? Unlike?

FOR THOSE WHO ARE AWARE AND WILL USE DIGITAL MODES:

HOW OFTEN DO YOU USE DIGITAL PAYMENTS? -- Daily, weekly once, monthly once, less
than once a month, never

HOW MUCH DO YOU TRANSACT USUALLY IN DIGITAL METHODS?

What purposed you use digital payments the most - Online shopping, transferring to
family/friends, food, business, local vendors, travel etc

Did you start using digital payments after the pandemic ?? YES OR NO (AWARENESS)

Would you recommend digital payments to other people?

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