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UPI and Fintech Adoption Study

Added Jul 2026 3 design docs

India runs on UPI, but not evenly. A student pays ₹12 for a samosa by scanning a QR code, while the vegetable vendor two stalls down still insists on cash, and the tailor across the road accepts UPI but keeps no digital record of what came in. Beyond payments the picture gets patchier still: some people run SIPs from an app and buy digital gold on a whim, others have never opened a savings product but have already taken a buy-now-pay-later loan on a phone. The headline transaction numbers say adoption is universal; walk one market street and it clearly is not.

The intern runs a two-sided field study of one urban market cluster to find out who has adopted what, and why the rest have not. A consumer questionnaire built in google-forms collects at least 80 responses across age groups, and 15 structured merchant interviews are conducted on foot at stalls, kirana shops and service outlets with consent. Responses are coded and analysed in excel, where the intern builds a five-part adoption index, cross-tabulates it by age, turnover and business type, and tests it against NPCI and RBI published figures. The output is a 16 to 20 page research study, an A1 conference-style research poster designed in canva, and a full data appendix with the codebook and cleaned datasets.

Completing the project gives the intern genuine mixed-methods research experience: instrument design, purposive sampling, interview fieldwork, qualitative coding, index construction, cross-tabulation and academic-style write-up. That combination is exactly what research assistant, market research, policy and consulting roles screen for, and an economics or commerce student who can walk an interviewer through their own sampling decisions and barrier taxonomy stands out immediately.

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