Abstract: This study is conducted with the objective to check the adaptation behavior toward Unified Payment Interface (UPI) & QR payments in the unorganized retail sector in India. Data was collected through structured questionnaires and schedules with help of 330 retailers of which 165 retailers were using Unified Payment Interface (UPI) & QR payments and 165 Non-Users. Data analysis was done through ANOVA, with help of 330 samples in the sector. The study has undertaken cross-tabulation to compare the relationship between users and non-users. The findings and implications are discussed.

Authors and Affiliation: Srinivas Yadav Chette*1 and Mallesh Sidharla1,

1Telangana Tribal Welfare Residential Degre