Propelled by recent policy initiatives and technological developments, India’s digital payment system is a promising success story in the making. In recent decades, the country has seen a significant increase in the use of digital payments. A digital payment, also known as an electronic payment, is the transfer of value from one payment account to another using a digital device such as a mobile phone, POS, or computer, as well as a digital communication channel such as mobile wireless data or SWIFT.The research sheds light on the multifaceted factors that have contributed to this surge, ranging from government initiatives promoting a digital economy to the safety concerns arising from physical contact-based transactions. This has propelled UPI's rapid adoption over traditional modes of payment within the Bangalore city. While highlighting the positive outcomes of this innovation effervescence, the study also delves into the challenges hindering a seamless transition. These challenges encompass technical intricacies that might impede user experiences, infrastructural gaps affecting accessibility, security apprehensions among users, awareness gaps, and issues related to the reliability of UPI transactions. The study has found statistically significant associations between age, occupation, e-wallet usage, and opinions on promoting cashless payments concerning respondents' preferred factors for online payment apps.