World Journal of Engineering Research and Technology (WJERT) has indexed with various reputed international bodies like : Google Scholar , Index Copernicus , Indian Science Publications , SOCOLAR, China , International Institute of Organized Research (I2OR) , Cosmos Impact Factor , Research Bible, Fuchu, Tokyo. JAPAN , Scientific Indexing Services (SIS) , Jour Informatics (Under Process) , UDLedge Science Citation Index , International Impact Factor Services , International Scientific Indexing, UAE , International Society for Research Activity (ISRA) Journal Impact Factor (JIF) , International Innovative Journal Impact Factor (IIJIF) , Science Library Index, Dubai, United Arab Emirates , Scientific Journal Impact Factor (SJIF) , Science Library Index, Dubai, United Arab Emirates , Eurasian Scientific Journal Index (ESJI) , Global Impact Factor (0.342) , IFSIJ Measure of Journal Quality , Web of Science Group (Under Process) , Directory of Research Journals Indexing , Scholar Article Journal Index (SAJI) , International Scientific Indexing ( ISI ) , Scope Database , Academia , Research Publication Rating and Indexing , 

World Journal of Engineering Research and Technology

( An ISO 9001:2015 Certified International Journal )

An International Peer Reviewed Journal for Engineering Research and Technology

An Official Publication of Society for Advance Healthcare Research (Reg. No. : 01/01/01/31674/16)

ISSN 2454-695X

Impact Factor : 7.029

ICV : 79.45

WJERT Citation

  All Since 2020
 Citation  172  110
 h-index  7  5
 i10-index  1  0

News & Updation

  • Article Invited for Publication

    Article are invited for publication in WJERT Coming Issue

  • ICV

    WJERT Rank with Index Copernicus Value 79.45 due to high reputation at International Level

  • WJERT New Impact Factor

    WJERT Impact Factor has been Increased to 7.029 for Year 2024.

  • New Issue Published

    Its Our pleasure to inform you that, WJERT April 2025 Issue has been Published, Kindly check it on https://www.wjert.org/home/current_issues

  • WJERT: APRIL ISSUE PUBLISHED

    APRIL 2025 Issue has been successfully launched on 1 APRIL 2025.

Abstract

TO STUDY THE PERCEPTION OF DIGITAL BUYER’S REASON FOR HESITATION AND SLOW-ADAPTATION OF UNIFIED PAYMENT INTERFACES

Dr. Aparna Goyal*

ABSTRACT

Going cashless is trending in India nowadays. After the Demonetization move by the government, people have gone digital and starting to adopt modern ways of cashless payments. The sole purpose of Demonetization is not only to remove black money from the economy but also to encourage people for adopting cashless payment options. Instead of standing in a queue for the withdrawal of money, it is much better to adopt cashless payment options for the transactions. A cashless method can be traced easily as it leaves its footprints and hence is more transparent. UPI (Unified Payments Interface) is a mobile payment system, which allows you to do various financial transactions on your Smartphone. UPI allows you to send or receive money with the help of virtual payment address without entering the bank information of the other person. A merchant has to enroll with the banks in order to accept payments through UPI. One of the main areas of concern among online users is security. The application should be able to provide a solution for end-to-end strong security and data protection. Security meaning not to reveal too much data likes banking or personal details, which could be misused by someone. For the convenience of the customers, the solution had to offer 1-click 2-factor authentication, which can help in protecting against phishing, risk scoring, loss of data etc.

[Full Text Article] [Download Certificate]