In India’s rapidly growing digital economy, cashless transactions are becoming commonplace, although not all consumers are using them. This research paper focuses on the influence of trust, convenience and security perception on the adoption of digital payments among urban consumers. Also, the research focuses on metro cities like Delhi and Kolkata students and working professionals. Based on a survey conducted on 400 respondents, the analysis employs descriptive statistics, and chi-square tests to assess the key relationships. The findings indicate that convenience is the most important factor as most users choose digital payment methods for their speed, ease and accessibility. Trusting a digital platform and provider is also a significant predictor of adoption. However, security concerns pose a barrier for some users despite the general trust. More trusting and using are a younger and more educated users. The findings from the Chi-square analysis indicate that there are significant relationships at varied levels of significance between gender and security perception, age and convenience, and education and trust. This study says that convenience is the major factor for the growth of digital payments, however trust and security will keep it going. As per the study, there is a need to increase the confidence of the people in India regarding the use of digital payments..
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