Vol. 2 No. ,issue10 DEC-2025,PAGE 1923-1934 (2025): The Influence of Digital Payment Fraud Awareness on Consumer Trust and Continued Usage of UPI-Based Payment Services

Digital payment services in India have been on a growth spurt, especially with the introduction of Unified Payments Interface (UPI), which has revolutionized the way people conduct financial transactions in a more convenient and faster manner. With the rise of digital payment, however, the risk of fraud, cybersecurity threats and loss of consumer trust have increased as well. This study aims at understanding the extent and type of digital payment fraud in India and its effects on consumer confidence, impact of consumer awareness of payment fraud on continued use of UPI and government initiatives to enhance consumer protection. The study uses secondary data derived from academic literature; government reports, industry and credible online publications, and the study will have an exploratory research design. There were four themes that were analyzed using thematic analysis. The results showed that QR code scams and fraudulent payment requests are particular security threats, as are other types of digital fraud. Because of the limited awareness around cybersecurity, not only consumers, but also the less-informed ones are vulnerable. The study recommends better fraud prevention, authentication, and targeted awareness-raising campaigns to ensure consumer trust and safe use of UPI.

Keywords: Digital Payment Fraud; UPI; Consumer Trust; Fraud Awareness; Cybersecurity