How often do

you use
Name Age Profession Income (Rs) Google pay?

Kamakshi Gupta 25 Student ₹ - Very frequently

Rishav Kumar Roy 23 Student ₹ - Frequently

Saif 22 Student ₹ - Frequently

Athena Roy 23 Student ₹ - Very frequently

Amirthavarshini S 21 Student ₹ - Very frequently

Jayabharathi 23 Student ₹ - Frequently

Karan 21 Student ₹ - Occasionally

Shantanu 21 Student ₹ - Very frequently

RASHEED 23 Student ₹ - Occasionally

Syed Moeenuddin 22 Others ₹ - Very frequently

Mohammed Owais
Abdi 18 Student ₹ 200,000 Very frequently

Mohammed
nadeem 38 Self employed ₹ 250,000 Very frequently
Yashas 27 Self employed ₹ 500,000 Very frequently

Abdul 22 Self employed ₹ 250,000 Frequently

Abbas Khan 42 Others ₹ 200,000 Rarely

Mohammed Umar 26 Self employed ₹ 1,000,000 Very frequently

Anitha 42 Self employed ₹ 100,000 Very frequently

Abhi Mahajan 31 Software Developer ₹ 3,500,000 Occasionally

Parveen Mahajan 62 Chief Engineer ₹ 2,000,000 Rarely

Neena Mahajan 59 Teacher ₹ 1,000,000 Rarely

Arjun Puri 25 Software Engineer ₹ 2,000,000 Very frequently

Shivakshi Gupta 21 Student ₹ - Frequently

Rajni Gupta 51 Teacher ₹ 500,000 Occasionally

Central Government
Ajay Gupta 55 employee ₹ 2,000,000 Very frequently

Atul Gupta 27 Assistant Manager ₹ 1,200,000 Very frequently

Seema Gupta 52 Homemaker ₹ 600,000 Frequently

Nalin Mahajan 26 Software Developer ₹ 1,200,000 Occasionally

Mamta Bogal 25 PHD Student ₹ 500,000 Occasionally
Anzal Malik 25 PHD Student ₹ 450,000 Frequently
Zahoor 25 Self employed ₹ 300,000 Rarely
Gopal Gupta 55 Self employed ₹ 1,500,000 Very frequently

Monika Mahajan 50 Teacher ₹ 400,000 Frequently

Shrey Gupta 21 Student ₹ - Rarely
Shivika Gupta 17 Student ₹ - Very frequently
Rajat Maheshwari 22 Student ₹ - Occasionally
Akash Gupta 30 SBI-PO ₹ 600,000 Very frequently
Adarsh Gupta 27 Teller ₹ 790,000 Rarely
Rashmi Gupta 56 Homemaker ₹ 400,000 Frequently

Sanjay Gupta 58 Branch Manager ₹ 800,000 Occasionally

Karan Langer 22 Student ₹ - Occasionally
Manpreet Kour 25 Self employed ₹ 1,200,000 Very frequently
Darshita Gupta 26 Analyst ₹ 1,000,000 Frequently

Rohan Kalra 31 Software Developer ₹ 800,000 Frequently

Abhishek Arora 31 Software Developer ₹ 600,000 Rarely

Vipul Gupta 35 Software Developer ₹ 1,200,000 Frequently

Tania Gupta 34 Homemaker ₹ 500,000 Very frequently
Raghav Vaid 25 PHD Student ₹ 450,000 Very frequently
Rohit Sudan 25 Assistant Manager ₹ 300,000 Very frequently

Mahima Aggarwal 29 Analyst ₹ 1,500,000 Frequently

Sunil Gupta 39 Solutions Architect ₹ 400,000 Very frequently
Rupali Gupta 37 Advocate ₹ 300,000 Occasionally
Shivani Gupta 41 Homemaker ₹ 200,000 Occasionally
Rohan Gupta 23 CA ₹ 400,000 Very frequently
Nikita Aggarwal 35 CA ₹ 600,000 Very frequently

Dheeraj Chopra 35 CA ₹ 790,000 Very frequently

Kiran Dutt 25 Student ₹ - Very frequently
Rishu Rishab 28 Student ₹ - Occasionally
Neha Shahi 25 CS ₹ 400,000 Occasionally
Kamal Gupta 43 Data Analyst ₹ 1,200,000 Occasionally

Vedant Pandey 22 Self employed ₹ 1,000,000 Very frequently

Suhani Magon 25 Student ₹ - Very frequently

Sanchit Aggarwal 25 CA and Self Employed ₹ 600,000 Very frequently

Veditha Makam 23 Student ₹ - Very frequently

Mohammed Saif 22 Student ₹ - Rarely

Divyanshi Agrawal 22 Student ₹ - Very frequently

Ankush Sharma 29 Bank employee ₹ 300,000 Rarely

Drighi Mahajan 24 Assistant Manager ₹ 1,500,000 Frequently
Anand Ashritha 22 Student ₹ - Rarely
Lakshya Saluja 27 Student ₹ - Rarely
Shivam Sharma 23 Self employed ₹ 200,000 Occasionally
Akhil Mahajan 25 Self employed ₹ 400,000 Very frequently
Akshay Rana 25 Student ₹ - Frequently
Chavvi Sharma 24 Self employed ₹ 790,000 Frequently
Hardik Aggarwal 23 Student ₹ - Frequently
Achyut Sharma 23 Student ₹ - Frequently
Rahul Sudan 26 Student ₹ - Frequently
Satnam Singh 26 Student ₹ - Occasionally
Manisha Verma 25 PHD Student ₹ 1,000,000 Very frequently
Sakshi 22 Student ₹ - Very frequently
Bindu Madhavi 22 Student ₹ - Rarely
Haroon Rashid 25 Advocate ₹ 1,200,000 Occasionally
Ajay Sareen 25 Advocate ₹ 500,000 Frequently
Om Prakash Gupta 71 Insurance ₹ 450,000 Rarely
Swayam Gupta 18 Student ₹ - Rarely
Vipul Jain 31 Software Engineer ₹ 1,500,000 Frequently
Ankita Kalra 30 Interior Designer ₹ 400,000 Rarely
Summi Grover 31 Business Analyst ₹ 300,000 Very frequently
Urvashi Jain 31 Financial Analyst ₹ 200,000 Frequently
Ravi Gupta 69 Retired ₹ 400,000 Occasionally
Ishan Mahajan 34 Self employed ₹ 600,000 Occasionally
Tarun Gupta 31 Self employed ₹ 790,000 Occasionally
Iesha Gupta 30 Homemaker ₹ 400,000 Frequently
Karan Gupta 36 IT Analyst ₹ 800,000 Very frequently
Gudia Mahajan 32 Homemaker ₹ 400,000 Very frequently
Rishab Sharma 23 Student ₹ - Very frequently
Utkarsh Chauhan 22 Student ₹ - Rarely
Ujjawal Chaudhary 22 Student ₹ - Rarely
JC Harish 22 Student ₹ - Rarely
Keshab Roy 22 Student ₹ - Very frequently
Paul Isaac Shelton 24 Student ₹ - Very frequently
Sahil Kala 25 Student ₹ - Occasionally
Priyanshu Chawal 23 Student ₹ - Very frequently
Navniti Bhagat 25 PHD Student ₹ 1,500,000 Very frequently

Rishika Chauhan 27 Fashion and Lifestyle Blogger ₹ 400,000 Very frequently

Amandeep Kour 25 Homemaker ₹ 300,000 Occasionally
Ragni Jaiswal 26 Homemaker ₹ 200,000 Rarely
Rupam Jaiswal 24 Student ₹ - Occasionally
Pallavi Mahajan 33 Manager ₹ 600,000 Frequently
Arundhati Mahajan 28 Homemaker ₹ 790,000 Very frequently
Aakriti Nargotra 25 Assistant Manager ₹ 400,000 Occasionally
Mannat Mahajan 29 Homemaker ₹ 800,000 Rarely
Sandeep Khadotra 32 Sports Teacher ₹ 400,000 Very frequently
Kanika Mahajan 35 Homemaker ₹ 1,200,000 Occasionally
Ridham Gupta 25 Student ₹ - Occasionally
Madhvi Mahajan 20 Student ₹ - Occasionally
Shubra 21 Analyst ₹ 600,000 Occasionally
Ishant Arora 45 Teacher ₹ 1,200,000 Occasionally
Jeevan Jyoti 55 Assistant Professor ₹ 500,000 Frequently
Tarsem Lal 46 Assistant Professor ₹ 450,000 Very frequently
Himanshu Arora 26 Data Analyst ₹ 300,000 Rarely
Mahima Sagar 25 Self employed ₹ 1,500,000 Very frequently

Salil Mahajan 35 Software Developer ₹ 400,000 Very frequently

Sahil Mahajan 32 Self employed ₹ 300,000 Very frequently
Amaan Gupta 22 Student ₹ - Very frequently
Siddhanr Mahajan 25 Self employed ₹ 400,000 Very frequently
Anuj Puri 22 Student ₹ - Very frequently
Taniya Mahajan 25 Youtuber ₹ 790,000 Very frequently
Vassundhra Pandit 25 Influencer ₹ 400,000 Rarely
Nitasha Singh 25 Doctor ₹ 800,000 Rarely
Amber Sharma 24 Doctor ₹ 400,000 Frequently
Divyanshi Jamwal 25 CS ₹ 1,200,000 Very frequently
Pritha 25 Student ₹ - Rarely
Sunil Choudhary 25 Manager ₹ 800,000 Occasionally
Vidushi Sharma 25 Student ₹ - Occasionally
Komal Gupta 38 Homemaker ₹ 1,200,000 Very frequently

Surbhi Charak 24 Table Tennis Player ₹ 500,000 Rarely

Rohit Gupta 36 Teacher ₹ 450,000 Rarely
Sourav Gupta 29 Self employed ₹ 300,000 Frequently
Gurneet Kour 25 Homemaker ₹ 1,500,000 Rarely
Abhishek Kundal 22 Self employed ₹ 400,000 Rarely
Kush Saini 26 Student ₹ - Very frequently
Samel 25 Student ₹ - Frequently
Rabia Choudhary 25 PHD Student ₹ 400,000 Occasionally
Manvika Gupta 22 Student ₹ - Rarely
Vishakha Kapoor 28 Financial Advisor ₹ 790,000 Very frequently
Deepika Kathpalia 26 Financial Advisor ₹ 400,000 Occasionally
Dhruvin Rohmetra 25 Data Analyst ₹ 800,000 Occasionally
Manpreet kour 25 Student ₹ - Rarely
Sangeeta Verma 29 Teacher ₹ 1,200,000 Very frequently
Sahil Gupta 34 Self employed ₹ 1,000,000 Rarely
Sunanjita Gupta 25 Student ₹ - Occasionally
Niharika Gupta 26 Homemaker ₹ 600,000 Occasionally
Diksha Sharma 27 Makeup Artist ₹ 1,200,000 Frequently
Garima Dogra 26 Bank PO ₹ 500,000 Very frequently

Ayush Mahajan 25 CA and Assistant Manager ₹ 450,000 Occasionally

Manyata Gupta 25 Student ₹ - Occasionally
Shumalini Goswami 25 Singer ₹ 1,500,000 Occasionally
Alisha Dogra 28 Homemaker ₹ 400,000 Very frequently
Chiraag Garg 23 Student ₹ - Rarely
Shreya Jamwal 25 Doctor ₹ 200,000 Rarely
Mrinalika Charak 25 Homemaker ₹ 400,000 Rarely
Palak Gupta 25 Homemaker ₹ 600,000 Very frequently
Shivani Duggal 25 Teacher ₹ 790,000 Frequently
Varun Aggarwal 35 CA ₹ 400,000 Rarely
Ashwin Singh 27 Musician ₹ 800,000 Rarely
Varun Kumar 26 Music Director ₹ 400,000 Very frequently
Rohit Kumra 31 Software Engineer ₹ 1,200,000 Rarely
Neetu Mahajan 52 Homemaker ₹ 1,000,000 Very frequently
Meenu Gupta 47 Fashion Designer ₹ 800,000 Very frequently
Sarayu Kundan 24 Fashion Designer ₹ 600,000 Very frequently
Alankrit Mahajan 24 Software Engineer ₹ 1,200,000 Occasionally
Raghav Mahajan 23 Software Engineer ₹ 500,000 Rarely
Saksham Gupta 25 Self employed ₹ 450,000 Occasionally
Ankita Verma 27 PHD Student ₹ 300,000 Rarely
Arnav Gupta 22 Student ₹ - Occasionally
Smita Sharma 46 Teacher ₹ 400,000 Frequently
Pearl Gupta 27 M&A Analyst ₹ 300,000 Very frequently
Vishal Kumar 27 Architect ₹ 200,000 Occasionally
Subail Malhotra 28 Self employed ₹ 400,000 Rarely
Kunal suri 25 Self employed ₹ 600,000 Very frequently
Kanav Gupta 39 Dentist ₹ 790,000 Rarely
Prabudh Juneja 25 Financial Advisor ₹ 400,000 Very frequently
Abhinav Gupta 25 FP&A ₹ 800,000 Very frequently
Aaina Gupta 30 Doctor ₹ 400,000 Rarely
Divya Mahajan 29 Self employed ₹ 1,200,000 Occasionally
Archana Singh 29 Homemaker ₹ 1,000,000 Frequently
Sehjal Gupta 22 Student ₹ - Rarely
Sumanyu Nagpal 27 Indian Navy ₹ 600,000 Very frequently
Naman Gupta 23 Self employed ₹ 1,200,000 Occasionally
Karan Shetty 24 Software Engineer ₹ 500,000 Rarely
Sandeep Patyal 36 Teacher ₹ 450,000 Very frequently
Sonali Singh 25 Bank PO ₹ 300,000 Very frequently
Sefali Agarwal 23 Student ₹ - Rarely
Vikas Bawa 38 Guitarist ₹ 400,000 Occasionally
Asavari Mahajan 28 CA ₹ 300,000 Very frequently
Raghav Gupta 22 Self employed ₹ 200,000 Very frequently
Taskeen Sambiyal 25 Student ₹ - Frequently
Aryaman Mahajan 28 Self employed ₹ 600,000 Occasionally
Smily Mahajan 26 Homemaker ₹ 790,000 Frequently

GROUP MEMBERS
KAMAKSHI GUPTA
MOHAMMED SAIF We will be using regression mo
VEDANT PANDEY
ATHENA ROY
ANAND ASHRITHA
RISHAV ROY
 How much
time did
you lose in
Maximum Maximum repayments Money lost
Monthly amount of Payment Repayment using G- in G-pay
transaction transaction Linked Bank failures in a attempts pay?( in transaction
s on G-pay Account week after failure mins) s (Rs)

250 100000 ICICI Bank 1 6 4 ₹ 500

60 10000 Other Banks 1 2 10 ₹ 6,000

20 1000 Other Banks 3 2 10 ₹ 150

10000 20000 ICICI Bank 0 1 1 ₹ -

30 5000 Other Banks 1 2 20 ₹ 650

5 2000 Other Banks 0 1 20 ₹ -

15 500 Other Banks 4 2 10 ₹ -

1000 7000 Other Banks 1 1 1 ₹ -

3 3500 Other Banks 0 2 10 ₹ -

40 1800 Other Banks 0 1 40 ₹ 300

50 9000 Other Banks 3 4 20 ₹ -

30 50000 Other Banks 2 3 60 ₹ -

 25 9000 SBI 0 2 5 ₹ -

100 5000 Axis Bank 1 3 4 ₹ -

0 60000 HDFC Bank 1 5 30 ₹ 5,000

15 4000 ICICI Bank 2 1 5 ₹ -

5 5000 Other Banks 0 1 5 ₹ -

20 80000 HDFC Bank 2 4 4 ₹ 40

1 50000 Canara Bank 0 0 0 ₹ -

1 80000 PNB Bank 0 0 0 ₹ -

100 100000 HDFC Bank 4 3 10 ₹ 1,500

70 15000 SBI Bank 2 1 3 ₹ 200

10 50000 SBI Bank 1 1 5 ₹ 50

50 40000 Canara Bank 0 0 0 ₹ -

120 90000 ICICI Bank 1 6 4 ₹ 150

41 4000 Other Banks 4 2 10 ₹ -

28 5000 Other Banks 0 2 10 ₹ 650

66 80000 ICICI Bank 3 1 1 ₹ -
99 50000 Other Banks 1 2 20 ₹ -
0 0 Other Banks 0 0 0 ₹ -
30 100000 Other Banks 2 2 10 ₹ -

15 15000 Other Banks 1 1 1 ₹ 300

1 0 Other Banks 4 2 10 ₹ -
24 40000 Other Banks 1 1 40 ₹ -
 6 90000 Other Banks 1 4 20 ₹ -
30 50000 Other Banks 3 3 60 ₹ -
2 0 SBI 0 2 5 ₹ 50
30 5000 Axis Bank 4 3 4 ₹ -

7 60000 HDFC Bank 2 5 30 ₹ -

8 4000 ICICI Bank 2 1 5 ₹ 40
40 5000 Other Banks 3 1 5 ₹ -
10 80000 HDFC Bank 2 4 4 ₹ -

15 50000 Canara Bank 0 0 0 ₹ 20

2 0 Axis Bank 0 0 0 ₹ -

20 100000 HDFC Bank 4 3 10 ₹ 50

25 15000 SBI Bank 2 1 3 ₹ -
5 50000 SBI Bank 1 1 5 ₹ -
9 40000 Canara Bank 0 0 0 ₹ -

20 90000 ICICI Bank 4 6 10 ₹ 40

30 4000 Other Banks 2 2 3 ₹ -
20 5000 Other Banks 1 2 5 ₹ -
10 80000 ICICI Bank 0 1 0 ₹ 1,500
5 50000 Other Banks 1 2 4 ₹ 200
20 80000 Other Banks 1 1 10 ₹ 50

10 100000 Other Banks 4 2 10 ₹ -

15 15000 Other Banks 1 1 1 ₹ 150
5 50000 Other Banks 2 2 20 ₹ -
5 40000 Other Banks 3 1 20 ₹ 650
7 90000 Other Banks 2 4 10 ₹ -

20 20000 Other Banks 2 3 1 ₹ -

15 150000 SBI 3 2 10 ₹ -

6 42000 Axis Bank 0 3 40 ₹ -

5 2000 HDFC Bank 0 5 20 ₹ 300

0 0 ICICI Bank 0 0 0 ₹ -

30 1000 Other Banks 1 1 5 ₹ -

5 0 HDFC Bank 4 4 4 ₹ -
15 2000 Canara Bank 0 0 30 ₹ -
 0 0 PNB Bank 0 0 5 ₹ -
3 0 HDFC Bank 4 3 5 ₹ -
40 50000 SBI Bank 2 1 4 ₹ -
50 80000 SBI Bank 0 1 0 ₹ 40
30 100000 Canara Bank 0 0 0 ₹ -
25 15000 ICICI Bank 4 2 10 ₹ -
100 50000 Other Banks 2 3 3 ₹ 20
0 40000 Other Banks 1 5 5 ₹ 200
15 90000 ICICI Bank 0 1 0 ₹ 50
5 20000 Other Banks 1 1 20 ₹ -
20 150000 Other Banks 3 4 10 ₹ 150
1 42000 Other Banks 1 0 1 ₹ -
1 0 Other Banks 4 0 10 ₹ 650
100 0 Other Banks 1 3 40 ₹ -
70 1000 Other Banks 4 1 20 ₹ -
10 0 Other Banks 1 1 60 ₹ -
50 0 Other Banks 4 0 5 ₹ -
120 10000 SBI 2 6 4 ₹ 300
2 0 Axis Bank 1 2 30 ₹ -
2 15000 HDFC Bank 1 2 5 ₹ -
67 50000 ICICI Bank 2 1 5 ₹ -
100 40000 Other Banks 4 2 4 ₹ -
44 90000 HDFC Bank 0 1 0 ₹ 5,000
85 4000 Canara Bank 2 2 0 ₹ -
15 5000 Axis Bank 4 1 10 ₹ -
1 80000 HDFC Bank 3 2 3 ₹ 40
24 50000 SBI Bank 2 1 5 ₹ -
6 80000 SBI Bank 0 4 0 ₹ -
3 0 Canara Bank 0 3 4 ₹ 1,500
2 500 Other Banks 4 2 10 ₹ 200
3 50000 ICICI Bank 2 3 10 ₹ 50
7 40000 Other Banks 1 5 1 ₹ -
8 90000 Other Banks 0 1 20 ₹ 150
40 20000 Other Banks 1 1 20 ₹ -
10 150000 Other Banks 3 4 10 ₹ 650
15 42000 Other Banks 1 0 1 ₹ -

2 2000 Other Banks 0 0 10 ₹ -

20 0 Other Banks 1 3 40 ₹ -
0 1000 Other Banks 0 1 20 ₹ -
5 0 SBI 1 1 60 ₹ 300
9 2000 Axis Bank 1 0 5 ₹ -
20 0 HDFC Bank 3 6 4 ₹ -
30 0 ICICI Bank 4 2 30 ₹ -
1 50000 Other Banks 1 2 5 ₹ -
10 80000 HDFC Bank 4 1 5 ₹ 50
5 100000 Canara Bank 4 2 4 ₹ -
20 15000 PNB Bank 3 1 0 ₹ -
10 50000 HDFC Bank 4 2 0 ₹ 40
15 40000 SBI Bank 1 1 10 ₹ -
5 90000 SBI Bank 1 2 3 ₹ -
5 20000 Canara Bank 2 1 5 ₹ 20
7 150000 ICICI Bank 0 4 0 ₹ 200
2 42000 Other Banks 0 3 10 ₹ 50
15 0 Other Banks 4 2 3 ₹ -

6 0 ICICI Bank 2 3 5 ₹ -
5 1000 Other Banks 1 5 0 ₹ -
0 90000 Other Banks 0 1 4 ₹ 40
30 50000 Other Banks 4 1 10 ₹ -
7 0 Other Banks 2 4 10 ₹ -
8 5000 Other Banks 1 0 1 ₹ 1,500
4 60000 Other Banks 0 0 20 ₹ 200
1 4000 Other Banks 1 3 20 ₹ 50
15 5000 Other Banks 0 1 10 ₹ -
2 80000 SBI 4 1 1 ₹ 150
2 50000 Axis Bank 3 0 10 ₹ -
25 0 HDFC Bank 1 4 40 ₹ 650
5 100000 ICICI Bank 3 0 20 ₹ -
9 15000 Other Banks 4 0 60 ₹ -

2 50000 HDFC Bank 2 3 5 ₹ -

3 40000 Canara Bank 4 1 4 ₹ -
20 90000 Axis Bank 2 1 30 ₹ 300
10 4000 HDFC Bank 3 0 5 ₹ -
5 5000 SBI Bank 1 6 5 ₹ -
20 80000 SBI Bank 3 2 4 ₹ -
10 50000 Canara Bank 0 2 0 ₹ -
15 80000 ICICI Bank 3 1 0 ₹ 50
5 100000 Other Banks 1 2 10 ₹ -
5 15000 Other Banks 3 1 3 ₹ -
7 50000 ICICI Bank 2 2 5 ₹ 40
20 40000 Other Banks 0 1 0 ₹ -
15 90000 Other Banks 0 2 5 ₹ -
6 20000 Other Banks 4 1 5 ₹ 20
 5 150000 Other Banks 2 4 4 ₹ 200
0 42000 Other Banks 1 3 0 ₹ 50
83 2000 Other Banks 0 2 0 ₹ -
15 0 Other Banks 1 3 10 ₹ -
1 1000 Other Banks 1 5 3 ₹ 40

24 0 SBI 3 1 5 ₹ -
6 2000 Axis Bank 3 1 0 ₹ -
30 0 HDFC Bank 1 4 10 ₹ 1,500
2 0 ICICI Bank 4 0 3 ₹ 200
3 50000 Other Banks 2 0 5 ₹ 50
7 80000 HDFC Bank 3 3 0 ₹ -
8 100000 Canara Bank 3 1 4 ₹ 150
40 15000 PNB Bank 1 1 10 ₹ -
10 50000 HDFC Bank 4 0 10 ₹ 650
1 40000 SBI Bank 1 6 1 ₹ -
2 90000 SBI Bank 3 2 20 ₹ -
20 20000 Canara Bank 4 2 20 ₹ -
2 150000 ICICI Bank 2 1 10 ₹ -
5 42000 Other Banks 3 2 1 ₹ 300
9 0 Other Banks 2 1 10 ₹ -
20 0 ICICI Bank 2 2 40 ₹ -
30 1000 Other Banks 0 1 20 ₹ -
2 0 Other Banks 0 2 60 ₹ -
10 0 Other Banks 4 1 5 ₹ 50
5 10000 Other Banks 2 4 4 ₹ -
20 0 Other Banks 1 3 30 ₹ -
10 15000 Other Banks 0 2 5 ₹ 40
15 50000 Other Banks 1 3 5 ₹ -
5 40000 Other Banks 1 5 4 ₹ -
5 90000 SBI 1 1 0 ₹ 20
7 4000 Axis Bank 4 1 0 ₹ 200
20 5000 HDFC Bank 3 4 10 ₹ 50
15 80000 ICICI Bank 0 0 3 ₹ -
6 50000 Other Banks 3 0 5 ₹ -
5 80000 HDFC Bank 4 3 0 ₹ -
0 0 Canara Bank 1 1 4 ₹ 40
30 500 Axis Bank 3 1 10 ₹ -
5 50000 HDFC Bank 1 0 10 ₹ -
15 40000 SBI Bank 4 2 1 ₹ 1,500
1000 90000 SBI Bank 1 3 20 ₹ 200
3 20000 Canara Bank 0 5 20 ₹ 50
40 150000 Other Banks 0 1 10 ₹ -
 50 42000 SBI 2 1 1 ₹ 150
30 2000 Axis Bank 3 4 10 ₹ -
0 0 HDFC Bank 2 0 40 ₹ 650
100 1000 ICICI Bank 0 0 20 ₹ -
0 0 Other Banks 0 3 60 ₹ -
15 2000 HDFC Bank 4 1 5 ₹ -
5 0 Canara Bank 2 1 4 ₹ -
20 0 Axis Bank 1 0 30 ₹ 300

We will be using regression model in our study, and SPSS for hypothesis.
 Refund
credited to Instant
bank Similar customer
At the time of failure, what do you (Maximum Apps preferred issues with care help in
do? hours) over G-pay other Apps G-pay

Switch to other apps like Paytm, etc 2 Paytm No No

Try again on G-pay 24 Internet banking No No

Switch to other apps like Paytm, etc 72 Paytm No No

Switch to other apps like Paytm, etc 4 Paytm Yes No

Pay Cash 120 Phonepe Yes Yes

Pay Cash 1 Paytm No No

Switch to other apps like Paytm, etc 0 Paytm Maybe No

Switch to other apps like Paytm, etc 96 Phonepe Yes No

Switch to other apps like Paytm, etc 168 Phonepe No No

Try again on G-pay 0 Phonepe No No

Switch to other apps like Paytm, etc 36 Paytm No No

Try again on G-pay 24 Paytm No No

Try again on G-pay 48 Others Maybe No

Try again on G-pay 72 Phonepe Maybe No

Switch to other apps like Paytm, etc 9 Phonepe Maybe No

Switch to other apps like Paytm, etc 9 Phonepe Yes No

Pay Cash 48 Internet banking No Yes

Switch to other apps like Paytm, etc 24 Paytm No No

Pay cash 0 Internet banking Maybe No

Pay cash 0 Paytm No No

Switch to other apps like Paytm, etc 24 Paytm No No

Switch to other apps like Paytm, etc 36 Paytm No No

Pay Cash 72 Paytm No No

Pay Cash 0 Internet banking No No

Switch to other apps like Paytm, etc 5 Paytm No Yes

Try again on G-pay 72 Phonepe No No

Switch to other apps like Paytm, etc 36 Paytm No No

Switch to other apps like Paytm, etc 24 Paytm Yes No
Pay Cash 12 Phonepe Yes No
Pay Cash 0 Phonepe No No
Switch to other apps like Paytm, etc 6 Phonepe Maybe No

Switch to other apps like Paytm, etc 9 Paytm Yes No

Switch to other apps like Paytm, etc 3 Paytm No No
Try again on G-pay 4 Others No No
Switch to other apps like Paytm, etc 72 Phonepe No No
Try again on G-pay 24 Phonepe No No
Try again on G-pay 6 Phonepe Maybe No
Try again on G-pay 36 Internet banking Maybe Yes

Switch to other apps like Paytm, etc 10 Paytm Maybe Yes

Switch to other apps like Paytm, etc 144 Internet banking Yes No
Pay Cash 24 Paytm No No
Switch to other apps like Paytm, etc 12 Paytm No No

Pay cash 36 Paytm Maybe No

Pay cash 6 Paytm No No

Switch to other apps like Paytm, etc 24 Phonepe No Yes

Switch to other apps like Paytm, etc 96 Paytm No No
Pay Cash 12 Paytm No No
Switch to other apps like Paytm, etc 36 Phonepe No No

Pay Cash 8 Phonepe No No

Pay Cash 12 Phonepe No No
Switch to other apps like Paytm, etc 60 Paytm No No
Switch to other apps like Paytm, etc 5 Paytm No No
Switch to other apps like Paytm, etc 72 Others No No
Try again on G-pay 36 Phonepe No No

Switch to other apps like Paytm, etc 24 Phonepe No No

Try again on G-pay 12 Phonepe No No
Try again on G-pay 0 Internet banking Yes Yes
Try again on G-pay 6 Paytm Yes No
Switch to other apps like Paytm, etc 9 Internet banking No No

Switch to other apps like Paytm, etc 3 Paytm Maybe No

Pay Cash 4 Paytm Yes No

Switch to other apps like Paytm, etc 72 Paytm No No

Pay cash 24 Paytm No No

Pay cash 6 Phonepe No No

Switch to other apps like Paytm, etc 36 Paytm No Yes

Switch to other apps like Paytm, etc 10 Paytm No No

Pay Cash 144 Phonepe No No
Try again on G-pay 24 Phonepe No No
Switch to other apps like Paytm, etc 12 Phonepe No No
Try again on G-pay 36 Paytm No No
Try again on G-pay 6 Paytm No No
Try again on G-pay 24 Others No No
Switch to other apps like Paytm, etc 96 Phonepe No No
Switch to other apps like Paytm, etc 12 Phonepe Yes No
Pay Cash 36 Phonepe Yes No
Switch to other apps like Paytm, etc 8 Internet banking No No
Pay cash 12 Paytm Maybe No
Pay cash 60 Internet banking Yes Yes
Switch to other apps like Paytm, etc 5 Paytm No Yes
Try again on G-pay 72 Paytm No No
Switch to other apps like Paytm, etc 36 Paytm No No
Switch to other apps like Paytm, etc 24 Paytm No No
Pay Cash 12 Phonepe No No
Pay Cash 0 Paytm No No
Switch to other apps like Paytm, etc 6 Paytm No Yes
Switch to other apps like Paytm, etc 9 Phonepe No No
Switch to other apps like Paytm, etc 3 Phonepe No No
Try again on G-pay 4 Phonepe No No
Switch to other apps like Paytm, etc 72 Paytm No No
Try again on G-pay 24 Paytm No No
Try again on G-pay 6 Others No No
Try again on G-pay 36 Phonepe No No
Switch to other apps like Paytm, etc 10 Phonepe No No
Switch to other apps like Paytm, etc 144 Phonepe No No
Pay Cash 24 Internet banking No No
Switch to other apps like Paytm, etc 12 Paytm Yes No
Pay cash 36 Internet banking Yes Yes
Pay cash 6 Paytm No No
Switch to other apps like Paytm, etc 24 Paytm Maybe No
Switch to other apps like Paytm, etc 96 Paytm Yes No
Pay Cash 12 Paytm No No
Pay Cash 36 Paytm No No
Switch to other apps like Paytm, etc 8 Paytm No No

Try again on G-pay 12 Phonepe No No

Switch to other apps like Paytm, etc 60 Phonepe No Yes
Switch to other apps like Paytm, etc 24 Phonepe No No
Pay Cash 12 Paytm No No
Pay Cash 0 Paytm No No
Switch to other apps like Paytm, etc 6 Others No No
Switch to other apps like Paytm, etc 9 Phonepe No No
Switch to other apps like Paytm, etc 3 Phonepe No No
Try again on G-pay 4 Phonepe No No
Switch to other apps like Paytm, etc 72 Internet banking Yes No
Try again on G-pay 24 Paytm Yes No
Try again on G-pay 6 Internet banking No No
Try again on G-pay 36 Paytm Maybe No
Switch to other apps like Paytm, etc 10 Paytm Yes No
Switch to other apps like Paytm, etc 144 Paytm No Yes
Pay Cash 24 Paytm No Yes
Switch to other apps like Paytm, etc 12 Phonepe No No
Pay cash 36 Paytm No No

Pay cash 6 Paytm No No

Switch to other apps like Paytm, etc 24 Paytm No No
Switch to other apps like Paytm, etc 96 Phonepe No No
Pay Cash 12 Phonepe No Yes
Switch to other apps like Paytm, etc 36 Phonepe No No
Pay Cash 8 Paytm No No
Pay Cash 24 Paytm No No
Switch to other apps like Paytm, etc 12 Others No No
Switch to other apps like Paytm, etc 0 Phonepe No No
Switch to other apps like Paytm, etc 6 Phonepe No No
Try again on G-pay 9 Phonepe No No
Switch to other apps like Paytm, etc 3 Internet banking No No
Try again on G-pay 4 Paytm No No
Try again on G-pay 72 Internet banking Yes No

Try again on G-pay 24 Paytm Yes No

Switch to other apps like Paytm, etc 6 Paytm No Yes
Switch to other apps like Paytm, etc 36 Paytm Maybe No
Pay Cash 10 Paytm Yes No
Switch to other apps like Paytm, etc 144 Phonepe No No
Pay cash 24 Paytm No No
Pay cash 12 Paytm No No
Switch to other apps like Paytm, etc 36 Paytm No No
Switch to other apps like Paytm, etc 6 Phonepe No No
Pay Cash 24 Phonepe No Yes
Try again on G-pay 96 Phonepe No No
Switch to other apps like Paytm, etc 12 Paytm No No
Try again on G-pay 36 Paytm No No
Try again on G-pay 8 Others No No
Try again on G-pay 0 Phonepe No No
Switch to other apps like Paytm, etc 24 Phonepe No No
Switch to other apps like Paytm, etc 36 Phonepe Yes No
Pay Cash 72 Internet banking Yes No
Switch to other apps like Paytm, etc 0 Paytm No No

Pay cash 5 Internet banking Maybe No

Pay cash 72 Paytm Yes No
Try again on G-pay 36 Paytm No No
Try again on G-pay 24 Paytm No Yes
Try again on G-pay 12 Paytm No Yes
Switch to other apps like Paytm, etc 0 Phonepe No No
Switch to other apps like Paytm, etc 6 Paytm No No
Pay Cash 9 Paytm No No
Switch to other apps like Paytm, etc 3 Paytm No No
Pay cash 4 Phonepe No No
Pay cash 72 Phonepe No Yes
Switch to other apps like Paytm, etc 24 Phonepe No No
Switch to other apps like Paytm, etc 6 Paytm No No
Pay Cash 36 Paytm No No
Try again on G-pay 10 Others No No
Switch to other apps like Paytm, etc 144 Phonepe No No
Try again on G-pay 24 Phonepe No No
Try again on G-pay 12 Phonepe No No
Try again on G-pay 36 Internet banking No No
Switch to other apps like Paytm, etc 6 Paytm Yes No
Switch to other apps like Paytm, etc 24 Internet banking Yes No
Pay Cash 96 Paytm No No
Switch to other apps like Paytm, etc 12 Paytm Maybe Yes
Pay cash 36 Paytm Yes No
Pay cash 8 Paytm No No
Try again on G-pay 12 Phonepe No No
Try again on G-pay 60 Paytm No No
Try again on G-pay 5 Paytm No No
Switch to other apps like Paytm, etc 72 Paytm No No
Switch to other apps like Paytm, etc 36 Phonepe No No
Pay Cash 24 Phonepe No Yes
Switch to other apps like Paytm, etc 12 Phonepe No No
Pay cash 0 Paytm No No
Pay cash 24 Paytm No No
Switch to other apps like Paytm, etc 36 Others No No
Switch to other apps like Paytm, etc 72 Phonepe No No
Pay Cash 0 Phonepe Yes No
Try again on G-pay 5 Phonepe Yes No
Switch to other apps like Paytm, etc 72 Internet banking No No
Try again on G-pay 36 Paytm Maybe No
Try again on G-pay 24 Internet banking Yes No
Try again on G-pay 12 Paytm No No
Switch to other apps like Paytm, etc 0 Paytm No No
Switch to other apps like Paytm, etc 6 Paytm No Yes
Pay Cash 9 Paytm No Yes
 Would you use
G-pay over your How would you Any
Customer current payment Maximum rate G-pay to suggestions/feed
Service Recommen methods if the cashback your preferred back from your
Ratings (1- d to family, customer service received payment end for the G-pay
5) friends,etc is improved? (Rs) method? services?
Needs faster
customer care
1 Maybe Definitely ₹ 967 If gpay shows that
3 process
amount is failure
don’t cut the
amount
2 Maybe Definitely ₹ 21 3 unnecessary.

2 Maybe Definitely ₹ 30 3 No

3 Maybe Maybe ₹ 1,500 4 no

google can meet

4 Yes Definitely ₹ 9 4 users expectation
Give more Cash
backs rather than
4 Yes Definitely ₹ 30 1 Gift coupons

graphics
3 Maybe Not sure ₹ - 3 improvement

upgrade user
4 No Not sure ₹ 150 5 interface

Just improve the

cash back policy
Better
and alsoUI resolve
and
3 Maybe Maybe ₹ 20 3 option
the payment
reimbursement
incase of payment
1 Maybe Definitely ₹ 300 3 failure.

3 Maybe Maybe ₹ 6 2 They can do better

Improve payment
failures and
3 Yes Definitely ₹ 20 4 customer services
3 Yes Definitely ₹ 70 4 no
G pay is very
5 Yes Maybe ₹ 6 4 useful for me
5 No Never ₹ - 5 Waste product

Need to improve
on customer
support
experience with
reduced call
3 Yes Definitely ₹ 10 4 waiting time.
Improve your
3 Yes Definitely ₹ 350 5 service
Customer service
takes lot of time,
waiting period
sometimes
1 No Maybe ₹ 500 3 exceeds
Takes more1 hour
time
3 No Maybe ₹ 5 2 Less
to setcomfortable
up
with digital
platform for
3 No Not sure ₹ 10 2 payments
can work towars
better UI and
2 Yes Yes ₹ 250 3 faster connectivity
Due to failures, I
need to move to
4 Yes Yes ₹ 260 2 other modes
Less comfortable
with digital
platform for
3 Maybe Not sure ₹ 50 2 payments

should upgrade
4 Yes Definitely ₹ 100 5 their system
should adopt other
4 No Maybe ₹ 4 3 no
platform
2 No Definitely ₹ - 5 techniques
change user
would expect
3 Yes Definitely ₹ 80 4 interface
something good
1 Yes Not sure ₹ 3 1 fro google
5 No Not sure ₹ - 2 no
3 Yes Maybe ₹ 100 5 no
1 Yes Definitely ₹ 310 4 no
If gpay shows that
Needs faster
amount is failure
customer care
don’t cut the
5 No Maybe ₹ 6 3 process
amount
4 No Definitely ₹ 150 5 unnecessary.
2 No Definitely ₹ 556 4 No
1 Yes Maybe ₹ 66 1 no
Give more Cash
0 Yes Never ₹ 45 2 change the colours
backs rather than
1 Maybe Definitely ₹ 85 Just
5 Gift improve
coupons the
change
cash backuser
policy
2 Yes Definitely ₹ 96 3 interface
and also google
resolve
upgrade
2 No Maybe ₹ 39 the
4 pay payment
Better UI and
reimbursement
3 No Maybe ₹ 78 3 option
incase of payment
4 Maybe Not sure ₹ 800 3 failure.
4 Maybe Yes ₹ 100 5 They can do better
Improve payment
failures and
3 Yes Yes ₹ 65 4 customer services

4 Yes Not sure ₹ 90 1 Need

no to improve
on customer
G pay is very
support
3 Maybe Definitely ₹ 87 1 useful for me
experience with
1 No Maybe ₹ 900 2 Waste
reducedproduct
call
3 Maybe Never ₹ 85 3 Customer service
waiting time.
Improve
takes lot your
of time,
3 Maybe Definitely ₹ 630 5 service
waiting period
sometimes
3 Maybe Definitely ₹ 456 2 Less
exceeds
Takes
comfortable
1 hour
more time
with digital
5 Yes Maybe ₹ 125 1 to set
platformup
can workfortowars
5 Yes Maybe ₹ 483 4 payments
bettertoUI and I
Due failures,
3 Yes Not sure ₹ 780 3 Less
fastercomfortable
need connectivity
to move to
with digital
3 No Yes ₹ 650 1 platform
other modesfor
1 Yes Yes ₹ 950 4 payments
should upgrade
3 Yes Not sure ₹ 830 2 their system
should adopt other
3 No Definitely ₹ 450 1 no
platform
2 No Maybe ₹ 360 2 techniques
change user
would expect
4 No Definitely ₹ 190 3 interface
something good
3 Yes Definitely ₹ 340 5 fro google

4 Yes Not sure ₹ 750 1 no

4 Maybe Not sure ₹ 680 2 no

2 Yes Maybe ₹ 320 4 no

3 No Definitely ₹ 640 3 More cashbacks

1 No Maybe ₹ 20 3 rewards

5 Yes Definitely ₹ 300 2 new t&c

3 Yes Definitely ₹ 6 4 points and rewards

1 No Maybe ₹ 20 4 friendly interface
 If gpay shows that
amount is failure
don’t cut the
amount
5 Yes Never ₹ 70 4 unnecessary.
4 Yes Definitely ₹ 6 5 No
2 No Definitely ₹ - 4 no
feature
Give more Cash
1 No Maybe ₹ 10 5 upgradation
backsimprove
Just rather than the
0 No Maybe ₹ 350 3 cash
Gift coupons
back policy
1 Yes Not sure ₹ 500 2 and
no also resolve
the payment
2 Yes Yes ₹ 5 2 upi
Better UI and
reimbursement
2 Maybe Yes ₹ 10 3 option
incase of payment
3 Yes Not sure ₹ 250 2 failure.
Improve payment
4 No Definitely ₹ 260 2 They can
failures anddo better
4 No Maybe ₹ 50 5 customer services
Need to improve
3 Maybe Never ₹ 100 3 on customer
update
G pay is very
support
4 Maybe Definitely ₹ 4 5 useful for me
experience with
3 Yes Definitely ₹ - 4 Customer
Waste
reducedproduct service
call
1 Yes Maybe ₹ 80 takes
1 waiting lot of
time. time,
Improve your
waiting period
3 Maybe Maybe ₹ 3 2 service
sometimes
3 No Not sure ₹ - 5 Less
exceeds
Takes
comfortable
more1 hourtime
with digital
3 Maybe Yes ₹ 100 4 to set
platformup
can workfor towars
5 Maybe Yes ₹ 310 3 payments
bettertoUI and I
Due failures,
5 Maybe Not sure ₹ 6 5 Less
faster comfortable
connectivity
needdigital
to move to
with
3 Yes Definitely ₹ 150 4 platform
other modes for
3 Yes Maybe ₹ 556 1 payments
should upgrade
1 Yes Definitely ₹ 66 2 their system
should adopt other
3 No Definitely ₹ 45 5 no
platform
3 Yes Not sure ₹ 85 3 techniques
change user
would expect
2 Yes Not sure ₹ 96 4 interface
something good
4 No Maybe ₹ 39 3 fro google
3 No Definitely ₹ 78 3 no
4 No Maybe ₹ 800 5 If
nogpay shows that
Needs faster
4 Yes Definitely ₹ 100 4 amount
no
customer
is failure
care
don’t cut the
2 Yes Definitely ₹ 65 1 process
amount
3 Maybe Maybe ₹ 90 1 unnecessary.
1 Yes Never ₹ 87 2 No
5 No Definitely ₹ 900 3 no
Give more Cash
3 No Definitely ₹ 85 5 .backs rather than
1 Yes Maybe ₹ 630 2 Just
Gift coupons
improve the
cash back policy
5 Yes Maybe ₹ 456 1 and
no also resolve
4 No Not sure ₹ 125 4 the
n/a payment
Better UI and
reimbursement
2 Yes Yes ₹ 483 3 option
incase of payment
1 Yes Yes ₹ 780 1 failure.
0 No Not sure ₹ 650 4 They can do better
 Improve payment
failures and
1 No Maybe ₹ 950 2 Need
customer services
to improve
2 No Maybe ₹ 830 1 on customer
.G pay is very
2 Yes Not sure ₹ 450 support
2 useful for me
experience with
3 Yes Yes ₹ 360 3 Customer
Waste
reducedproduct
service
call
takes lot of time,
4 Maybe Yes ₹ 190 5 waiting
Improve time.
your
waiting period
4 Yes Not sure ₹ 340 1 service
sometimes
3 No Definitely ₹ 750 2 Less comfortable
exceeds
Takes more1 hour
time
with digital
4 No Maybe ₹ 680 4 to set
platformup
can workfor towars
3 Yes Definitely ₹ 320 2 better
payments UI and
Due to failures, I
1 No Definitely ₹ 640 3 Less
fastercomfortable
need connectivity
to move to
with digital
3 No Not sure ₹ 20 2 other modes
platform for
3 Yes Not sure ₹ 300 2 payments
should upgrade
3 Yes Maybe ₹ 6 5 their system
should adopt other
5 No Definitely ₹ 20 3 no
platform
5 Yes Maybe ₹ 70 5 techniques
change user
would expect
3 Yes Definitely ₹ 6 4 interface
something good
3 No Definitely ₹ - 1 fro google
1 No Maybe ₹ 10 2 no
3 No Never ₹ 350 5 no
3 Yes Definitely ₹ 500 4 no
2 Yes Definitely ₹ 5 3 More cashbacks
4 Maybe Maybe ₹ 10 5 rewards
3 Yes Maybe ₹ 250 4 new t&c
4 No Not sure ₹ 260 1 Just
points and rewards
improve the
4 No Yes ₹ 50 cash back policy
2 friendly interface
2 Maybe Yes ₹ 100 5 and
n/a also resolve
the payment
3 Maybe Not sure ₹ 4 3 no
reimbursement
incase of payment
1 Yes Definitely ₹ - 4 failure.
Improve payment
5 Yes Maybe ₹ 80 3 failures
They can anddo better
3 Maybe Never ₹ 3 3 Need
customer services
to improve
1 No Definitely ₹ - 5 on customer
.G pay is very
5 Maybe Definitely ₹ 100 4 support
useful for me
experience with
4 Maybe Maybe ₹ 310 1 Customer
Waste
reducedproduct service
call
2 Maybe Maybe ₹ 6 takes
1 waiting lot of
time.time,
Improve your
waiting period
1 Yes Not sure ₹ 150 2 service
sometimes
Less comfortable
0 Yes Yes ₹ 556 3 exceeds
Takes more1 hour
time
with digital
1 Yes Yes ₹ 66 5 to set
platformup
can workfor towars
2 No Not sure ₹ 45 2 payments
better UI and
Due to failures, I
1 Less
comfortable
2 Yes Definitely ₹ 85 faster
need toconnectivity
move to
with digital
3 Yes Maybe ₹ 96 4 other modes
platform for
4 No Definitely ₹ 39 3 payments
 should upgrade
4 No Definitely ₹ 78 1 their system
should adopt other
3 No Not sure ₹ 800 4 no
platform
4 Yes Not sure ₹ 100 2 techniques
change user
would expect
3 Yes Maybe ₹ 65 1 interface
something good
1 Maybe Definitely ₹ 90 2 fro google

3 Yes Maybe ₹ 87 3 no
3 No Definitely ₹ 900 5 no
3 No Definitely ₹ 85 1 no
5 Yes Maybe ₹ 630 2 More cashbacks
5 Yes Never ₹ 456 4 rewards
3 No Definitely ₹ 125 3 new t&c
3 Yes Definitely ₹ 483 3 points and rewards
1 Yes Maybe ₹ 780 2 friendly interface
3 No Maybe ₹ 650 4 n/a
Give more Cash
3 No Not sure ₹ 950 4 no
backs rather than
Just improve the
2 No Yes ₹ 830 4 Gift coupons
cash back policy
4 Yes Yes ₹ 450 5 and
. also resolve
the payment
3 Yes Not sure ₹ 360 4 no
Better UI and
reimbursement
4 Maybe Maybe ₹ 190 5 option
incase of payment
4 Yes Maybe ₹ 340 3 failure.
Improve payment
2 No Not sure ₹ 750 2 They can
failures anddo better
3 No Yes ₹ 680 2 Need
customer services
to improve
1 Maybe Yes ₹ 320 on customer
3 .G pay is very
5 Maybe Not sure ₹ 640 2 support
useful for me
experience with
3 Yes Definitely ₹ 6 2 Customer
Waste
reducedproductservice
call
1 Yes Maybe ₹ 20 takes
5 waiting lot of time,
Improvetime.
waiting your
period
5 Maybe Definitely ₹ 70 3 service
sometimes
5 Less
comfortable
4 No Definitely ₹ 6 exceeds
Takes 1 hour
more time
with digital
2 Maybe Not sure ₹ - 4 platform
to set up for
can work towars
1 Maybe Not sure ₹ 10 1 payments
better UI and I
Due to failures,
2 Less
comfortable
0 Maybe Maybe ₹ 350 faster
need connectivity
to move to
with digital
1 Yes Definitely ₹ 500 5 other modes
platform for
2 Yes Maybe ₹ 5 4 payments
should upgrade
2 Yes Definitely ₹ 10 3 their system
should adopt other
3 No Definitely ₹ 250 5 no
platform
4 Yes Maybe ₹ 260 4 techniques
change user
would expect
4 Yes Never ₹ 50 1 interface
something good
3 No Definitely ₹ 100 2 fro google
4 No Definitely ₹ 4 5 no
3 No Maybe ₹ - 3 no
Needs faster
1 Yes Maybe ₹ 80 4 no
customer care
3 Yes Not sure ₹ 3 3 process
 If gpay shows that
amount is failure
don’t cut the
amount
3 Maybe Yes ₹ - 3 unnecessary.
3 Yes Yes ₹ 100 5 No
5 No Not sure ₹ 310 4 no
Give more Cash
5 No Definitely ₹ 6 1 .backs rather than
3 Yes Maybe ₹ 150 1 Gift coupons
3 Yes Never ₹ 556 2 no
1 No Definitely ₹ 66 3 no
Better UI and
3 Yes Definitely ₹ 45 5 option

G pay is very
useful for me
Waste product
Need to improve
on customer
support
experience with
Customer
reduced call service
takes
waiting lot of
time.time,
Improve your
waiting period
service
sometimes
Less comfortable
exceeds 1 hour
Takes more
with digital time
to set
platformup
can workfor towars
payments
better UI and
Due to
Less failures, I
comfortable
faster connectivity
needdigital
to move to
with
other modes
platform for
payments
should upgrade
their system
should adopt other
no
platform
techniques
change user
would expect
interface
something good
fro google
no
no
no
More cashbacks
rewards
new t&c
points and rewards
 250

60

20

10000

30

15

1000

40

50

30
25

100
0

15

20
1

100

70

10

50

120
49

17
82
63
0
89

15
1
24
 6
30
2
30

7
8
40
10

15

20
25
5
9

20
30
20
10
5
20

10
15
5
5
7

20
15

30

5
15
 0
3
40
50
30
25
100
0
15
5
20
1
1
100
70
10
50
120
2
2
64
46
47
54
15
1
24
6
3
2
3
7
8
40
10
15

2
20
0
5
9
20
30
1
10
5
20
10
15
5
5
7
2
15

6
5
0
30
7
8
4
1
15
2
2
25
5
9

2
3
20
10
5
20
10
15
5
5
7
20
15
6
 5
0
37
15
1

24
6
30
2
3
7
8
40
10
1
2
20
2
5
9
20
30
2
10
5
20
10
15
5
5
7
20
15
6
5
0
30
5
15
1000
3
40
 50
30
0
100
0
15
5
20