{"id":23980,"date":"2026-01-18T16:06:14","date_gmt":"2026-01-18T10:36:14","guid":{"rendered":"https:\/\/www.sachdevajk.in\/?p=23980"},"modified":"2026-01-18T16:06:14","modified_gmt":"2026-01-18T10:36:14","slug":"a-comparative-study-of-user-ratings-of-selected-upi-apps-using-one-way-anova","status":"publish","type":"post","link":"http:\/\/www.sachdevajk.in\/?p=23980","title":{"rendered":"A Comparative Study of User Ratings of Selected UPI Apps Using One-Way ANOVA"},"content":{"rendered":"<p class=\"MsoNormal\"><b><u>Author<\/u><\/b><u> <\/u>\u2013 Ankit Gurjar (021331025064)<\/p>\n<p class=\"MsoNormal\"><b><u>Introduction-<\/u><\/b><\/p>\n<p class=\"MsoListParagraph\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]-->Unified Payments Interface (UPI) has transformed digital payments in India by enabling fast, secure, and convenient transactions. With the rapid adoption of UPI, several mobile payment applications such as <b>MobiKwik, Google Pay, Paytm, and PhonePe<\/b> have gained popularity among users. However, users\u2019 perceptions and satisfaction levels may vary across these platforms.<\/p>\n<p class=\"MsoNormal\"><b><u>Objectives of the Study-<\/u><\/b><\/p>\n<p class=\"MsoListParagraph\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]-->To understand the underlying phenomena of problem<\/p>\n<p class=\"MsoNormal\"><b><u>Literature Review<\/u><\/b><\/p>\n<p class=\"MsoListParagraphCxSpFirst\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span><span>1.<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]--><b>Reserve Bank of India (2022)<\/b><br \/>RBI reported that UPI has become the most widely used digital payment system in India due to its convenience, interoperability, and enhanced security features.<\/p>\n<p class=\"MsoListParagraphCxSpLast\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span><span>2.<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]--><b>Gupta &amp; Arora (2021)<\/b><br \/>Gupta and Arora found that user satisfaction with UPI apps is mainly influenced by ease of use, transaction speed, and perceived trust, leading to differences in user preferences.<\/p>\n<p class=\"MsoNormal\"><b><u>Data Collection-<\/u><\/b><\/p>\n<p class=\"MsoListParagraph\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]--><b>Type of Data:<\/b> Primary data<b><\/b><\/p>\n<ul style=\"margin-top: 0cm\" type=\"disc\">\n<li class=\"MsoNormal\"><b>Method:<\/b> Structured questionnaire (Google forms)<\/li>\n<li class=\"MsoNormal\"><b>Sample Size:<\/b> 40 (User ratings collected for selected UPI apps)<\/li>\n<li class=\"MsoNormal\"><b>Scale Used:<\/b> Rating scale (1 to 10)<\/li>\n<li class=\"MsoNormal\"><b>Sampling Technique:<\/b> Convenience sampling<\/li>\n<\/ul>\n<p class=\"MsoNormal\"><b><u>Data Analysis-<\/u><\/b><\/p>\n<table class=\"MsoNormalTable\" style=\"width: 378.0pt;border-collapse: collapse\" border=\"0\" width=\"504\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 138.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" colspan=\"2\" valign=\"bottom\" nowrap=\"nowrap\" width=\"184\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Anova: Single Factor<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\u00a0<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 15.0pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">SUMMARY<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Groups<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 38.35pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Count<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Sum<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Average<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Variance<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">MobiKwik<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">40<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">240<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">6<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">0.51<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Google Pay<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">40<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">220<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">5.5<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">9.44<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Paytm<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">40<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">257<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">6.43<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">0.40<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 15.0pt\">\n<td style=\"width: 99.65pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">PhonePe<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">40<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">340<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">8.5<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">0.26<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\u00a0<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\u00a0<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 15.0pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">ANOVA<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Source of Variation<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 38.35pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">SS<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">df<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">MS<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">F<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">P-value<\/span><\/i><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border-top: solid windowtext 1.0pt;border-left: none;border-bottom: solid windowtext 1.0pt;border-right: none;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: center;line-height: normal\" align=\"center\"><i><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">F crit<\/span><\/i><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Between Groups<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">239.2<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">3<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">79.73<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">30.06<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">2.15<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">2.66<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Within Groups<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">413.78<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">156<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">2.65<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 14.5pt\">\n<td style=\"width: 99.65pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\u00a0<\/td>\n<td style=\"width: 38.35pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<td style=\"width: 48.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 14.5pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\u00a0<\/td>\n<\/tr>\n<tr style=\"height: 15.0pt\">\n<td style=\"width: 99.65pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"133\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">Total<\/span><\/p>\n<\/td>\n<td style=\"width: 38.35pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"51\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">652.98<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;text-align: right;line-height: normal\" align=\"right\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">159<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">\u00a0<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">\u00a0<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">\u00a0<\/span><\/p>\n<\/td>\n<td style=\"width: 48.0pt;border: none;border-bottom: solid windowtext 1.0pt;padding: 0cm 5.4pt 0cm 5.4pt;height: 15.0pt\" valign=\"bottom\" nowrap=\"nowrap\" width=\"64\">\n<p class=\"MsoNormal\" style=\"margin-bottom: 0cm;line-height: normal\"><span style=\"font-size: 11.0pt;font-family: 'Aptos Narrow',sans-serif;color: black\">\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"MsoNormal\"><b><u><span style=\"text-decoration: none\">\u00a0<\/span><\/u><\/b><\/p>\n<p class=\"MsoNormal\"><b><u>Conclusion-<\/u><\/b><\/p>\n<p class=\"MsoListParagraphCxSpFirst\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]--><b>H\u2080:<\/b> All UPI apps have the same mean rating.<br \/><b>H\u2081:<\/b> Any one of the UPI apps has a different mean rating.<\/p>\n<p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]-->F = 30.06<\/p>\n<p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]-->F-Statistic: The calculated F-value (30.06) is significantly higher than the critical F-value (2.66), indicating substantial variation between group means<\/p>\n<p class=\"MsoListParagraphCxSpLast\" style=\"text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]-->Since the p-value corresponding to F (2.15) is less than 0.05, we reject the Null Hypothesis (H\u2080) and accept the Alternative Hypothesis (H\u2081).<\/p>\n<p class=\"MsoNormal\"><b><u>References-<\/u><\/b><\/p>\n<p class=\"MsoListParagraphCxSpFirst\" style=\"margin-left: 54.0pt;text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]--><b><u><span>\u00a0<\/span><a href=\"https:\/\/www.rbi.org.in\/\" target=\"_new\">https:\/\/www.rbi.org.in<\/a><\/u><\/b><\/p>\n<p class=\"MsoListParagraphCxSpLast\" style=\"margin-left: 54.0pt;text-indent: -18.0pt\"><!-- [if !supportLists]--><span style=\"font-family: Symbol\"><span>\u00b7<span style=\"font: 7.0pt 'Times New Roman'\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span><!--[endif]--><b><u><a href=\"https:\/\/www.npci.org.in\/\" target=\"_new\">https:\/\/www.npci.org.in<\/a><\/u><\/b><\/p>\n<p class=\"MsoNormal\" style=\"margin-left: 18.0pt\">\u00a0<\/p>\n<p class=\"MsoNormal\"><b>\u00a0<\/b><\/p>\n<p class=\"MsoNormal\">\u00a0<\/p>\n<p class=\"MsoNormal\" style=\"margin-left: 18.0pt\">\u00a0<\/p>\n<p class=\"MsoNormal\" style=\"margin-left: 18.0pt\">\u00a0<\/p>\n<p class=\"MsoNormal\">\u00a0<\/p>\n<p class=\"MsoNormal\" style=\"margin-left: 18.0pt\">\u00a0<\/p>\n<p class=\"MsoNormal\">\u00a0<\/p>\n<p class=\"MsoNormal\">\u00a0<\/p>\n<p class=\"MsoNormal\">\u00a0<\/p>\n<p class=\"MsoNormal\">\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Author \u2013 Ankit Gurjar (021331025064) Introduction- \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Unified Payments Interface (UPI) has transformed digital payments in India by enabling fast, secure, and convenient transactions. With the rapid adoption of UPI, several mobile payment applications such as MobiKwik, Google Pay, Paytm, and PhonePe have gained popularity among users. However, users\u2019 perceptions and satisfaction levels may vary&hellip; <a class=\"more-link\" href=\"http:\/\/www.sachdevajk.in\/?p=23980\">Continue reading <span class=\"screen-reader-text\">A Comparative Study of User Ratings of Selected UPI Apps Using One-Way ANOVA<\/span><\/a><\/p>\n","protected":false},"author":140037,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23980","post","type-post","status-publish","format-standard","hentry","category-uncategorized","entry"],"_links":{"self":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts\/23980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/users\/140037"}],"replies":[{"embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23980"}],"version-history":[{"count":1,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts\/23980\/revisions"}],"predecessor-version":[{"id":23981,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts\/23980\/revisions\/23981"}],"wp:attachment":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23980"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}