Factors Influencing Customer Perception of Trust and Security in Digital Payment Platforms Evidence from Bengaluru

The swift growth of digital payment platforms has fundamentally transformed the landscape of financial transactions in India. Although they offer convenience and efficiency, issues surrounding trust and security still impact customer adoption and ongoing usage. This research investigates the elements that affect customer perceptions of trust and security in digital payment platforms, particularly in Bengaluru. Data was gathered from 300 users of digital payment systems through a structured questionnaire. The analysis included factors such as perceived security, privacy safeguards, user friendliness, system dependability, brand credibility and regulatory confidence. Various statistical methods, including descriptive statistics, reliability analysis, correlation, regression and Structural Equation Modeling SEM were utilized. The results indicate that perceived security and system dependability are the most significant factors affecting customer trust, which in turn has a notable impact on usage and the intention to continue. This study provides essential insights for digital payment service providers, regulatory bodies and policymakers aimed at enhancing trust and security mechanisms within digital financial ecosystems. Ms. Anusha Kalburgikar | Dr. Srinath T K "Factors Influencing Customer Perception of Trust and Security in Digital Payment Platforms: Evidence from Bengaluru" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-10 | Issue-1 , February 2026, URL: https://www.ijtsrd.com/papers/ijtsrd100024.pdf Paper URL: https://www.ijtsrd.com/management/other/100024/factors-influencing-customer-perception-of-trust-and-security-in-digital-payment-platforms-evidence-from-bengaluru/ms-anusha-kalburgikar