Perception and Satisfaction Towards Online Payment Apps: A Student-Centric Evaluation

Abstract

The rapid evolution of mobile technology has transformed traditional payment systems, making online payment applications increasingly popular, particularly among youth. This study explores the perception and satisfaction of students towards mobile payment apps, focusing on their usability, reliability, and convenience. Using a structured questionnaire, data were collected from 120  college students from Kodungallur Taluk. The findings reveal widespread adoption and high satisfaction levels, with Google Pay emerging as the most preferred application. Statistical analysis indicates gender-based perceptual differences, but no significant variation in satisfaction levels. The study underscores the critical role of convenience and time-efficiency in influencing usage. Recommendations are offered to enhance app functionality, ensure data privacy, and improve user engagement.