As we all know that ‘Digital’ word itself states digitalization in the economy, since this field has grown very fast and it became a very important and integral part of our economy. The UPI is developed by NPCI and no need of any bank account or IFSC code, It will very easily redirect from your registered mobile number. UPI id & QR can be directly made at the time of registration in mobile banking. As we all know that some of mobile banking products such as SBI pay, HDFC pay, what app has some limitation toward transaction upto 20 transactions per day. This research is purely based on primary as well as secondary data and some of the respondents might have provided biased responses as they were unwilling to provide correct information.