Examining the Role of User Experience and Interface Design in Digital Wallet Adoption: An Empirical Analysis

Author: Monalkumar B. Sathvara Bhagvanbhai M. Karnavat

Published Online: July 1, 2025

DOI: http://doi.org/10.63766/spujstmr.24.000040

Abstract

References

The world of payments has changed dramatically as a result of the quick development of financial technology, or FinTech, with digital wallets becoming a key component of the cashless economy. In the larger framework of the FinTech revolution, this study investigates the relationship between innovation, shifting consumer behavior, and the use of digital wallets. By assessing major technological, behavioral, and regulatory trends, the research shows the elements impacting user adoption, trust, security concerns, and post-adoption engagement. Understanding how digital wallets are changing user experience, financial inclusion, and convenience is emphasized. The paper intends to give a thorough overview of the potential and difficulties that digital wallet providers and users face in an increasingly digital financial ecosystem, drawing on current empirical findings.

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Keywords: Digital Wallets, FinTech, Consumer Behavior, Cashless Economy, Technology Adoption

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SPU - Journal of Science, Technology and Management Research

An Official Publication of Sankalchand Patel University, Visnagar, Gujarat, India.

Volume - 2 | Issue - 1 (July)

Examining the Role of User Experience and Interface Design in Digital Wallet Adoption: An Empirical Analysis