Survey on Consumer Preference: Google Pay V/S Paytm in Ahmedabad city

Googlepay and paytm are major players of digital payments both are providing platform to customers having their daily transactions and much more. People of Ahmedabad at the age 11-26 using more digital payments, demographic factors play very important role


INTRODUCTION
UPI (Unified Payments Interface) used by many people of India for many purposes.It is one of the fastest growing digital payments in India.It is used to send or receive money by 24*7, customer is more attract by easy to use, availability and convenient.There are many players but we took mainly two players to survey our research.
Google pay and Paytm are big players in digital payments and they both providing platforms to consumer where consumer can get daily transactions in just minutes.So, we are surveyed Ahmedabad the people are very attracted and daily used to it.The aim of this survey to know the preference of consumer of Ahmedabad what makes them influence to use between these popular application Google pay and Paytm on their daily basis transaction, recharge, tickets booking etc.
People of Ahmedabad ease on using digital payments on their daily transaction for paying goods and services, shopping, ordering food without having physical money which save time and getting lots of benefit.
Both players are providing great features on their particular applications.By our survey we get to know more why people of Ahmedabad choose either Google pay or Paytm and why they choose for, like easy to use, features, policy, security, deals and cashbacks, bill payments, occasional offers, shopping etc.Digital payments provide security where people of Ahmedabad can easily use without get cheated, they also provide history of transaction where people can know how much they spend entire a day or month and how wisely they have used from the next time, history keep all the transaction of a person safely and its easiest way to keep their income and expense.
For survey we use primary data which is collected directly through people by taking interviews, questionnaires, observations, action research, case studies etc.
Collection of our survey help us to reach out on conclusion of consumer preferences for Google pay and Paytm in Ahmedabad.By (Shekhar, 2021) Research Objective: • Comparative study of Paytm v/s Gpay.which are using more by Gen z.
• How rapidly people are adopting digital payments.
• What kind of problems are facing by Gen z.

LITERATURE REVIEW
Prabhat Agrarwal (2022) found there is a good way to transfer money with the help of digital wallets but also there are issues like security, if issues are settled regarding security and trust digital apps will show that they are safe.And money will exchange and transferring only through digital way.
Snehal Shah, Rathod Krunal (2022) said 98% people are aware of digital payments monthly they are spending 1000-3000rs in month.Most of the people of Ahmedabad are using gpay and they are accepting digital payments greatly.Dr R Mayilsamy and Ms. S Vishmita (June,2021) "A study satisfaction google pay and Paytm in Coimbatore city" the platforms was contingent consumer preference, cost, security, accessibility.They used percentage analysis, ranking and analysis satisfaction levels.They doing this survey to aims to contributing understanding factors to influencing who people choice this payment system.Dr. R. Sridevi and Thirumoorthiammal V(May,2021) Their study objective is to identify preference of customer and to know their challenges related to transaction which focus on speedy transaction.
Thirupathi Manickam, Alagappa University, India (January 2022) The use of mobile wallets like Google Pay and PayTm are used in Bengaluru city.The report informs the transformative power of ICTs while the benefits of accountability in mobile wallets and usage of these payment services.This study provides an environment addressing provider issues and consumer preferences.It also highlights a research void in the competition between Google Pay and Paytm and provides insights into post-demonetization patterns in India.

Research Gap:
Previous studies on Ahmedabad consumers' preferences between Google Pay and Paytm do not address this specific area in detail.This is not much research on the experiences and satisfaction levels of Ahmedabad users with the various functionalities of these mobile payment apps.There is a lack of literature when it comes to security and understanding how demographics influence app choices.Finally, there is a lack of research on how the technological understanding and involvement of these apps with services affects the taste of Ahmedabad users.(Biharani & Vidani, 2018) Hypothesis Testing: H1: There is a significant association between age and finding Google Pay more user-friendly.(Rejected) H2: There is a significant association between age and finding Paytm more reliable for digital transactions.(Rejected) H3: There is a significant association between age and using Google Pay more frequently for online shopping and bill payments.(Accepted) H4: There is a significant association between age and preferring Paytm for instore payments and utility bill payments.(Accepted) H5: There is a significant association between age and opinions on customer support for both Google Pay and Paytm.(Accepted) Interpretation: AS the P value is greater than 0.05, hence we reject H1.This shows that there is significant association between age and Google pay more userfriendly and easier to navigate.

Age of Respondent * I find Paytm More Reliable for Digital Transactions
Source: SPSS Software a. 12 cells (60.0%) have expected count less than 5.The minimum expected count is .11.Interpretation: As the P value is greater than 0.05, hence we reject H2.This shows that there is significant association between age and Paytm more reliable for digital transactions H3: There is significant association between age of respondent and usage of Google pay more frequently for online shopping and bill payments Table 7. Interpretation: AS the P value is less than 0.05 hence, we accept H4.This shows that there is significant association between age and Paytm for in-store payments and utility bill payments Crosstabulation H5: There is significant association between age of respondent and Google pay and Paytm both app is offering better customer support and problem resolution The percentages for the other age groups, which are 26-35 and 36-50, are lower at 5.9% and 9.8% respectively.Gender distribution is fairly equal, with 41.2% of respondents being male and 58.8% being female.According to marital status data, 87.3% of participants are single, 11.8% are married, and 1% belong to another category.The results of the reliability test show that Cronbach's alpha is moderate at 0.687.(Vidani, 2018) Chi-square analysis, used in hypothesis testing, provides insight into the relationship between age and several characteristics of consumer preferences for digital payment apps.H1, which states that there is a significant relationship between increasing age and perceiving Google Pay as more convenient, is rejected (p = 0.202).The findings show that consumers' perception of Google Pay's user-friendliness does not change significantly by age.H2, which suggests a significant relationship between age and whether Paytm is a more trusted app for online transactions, is again rejected (p = 0.122).According to the analysis, age has no significant impact on users' perception of Paytm's dependability for digital transactions.H3, examining the association between age and using Google Pay more frequently for online shopping and bill payments, is rejected (p = 0.008).The findings suggest a significant association between age and the frequency of using Google Pay for online transactions.H3, which suggested a significant relationship (p = 0.008) between age and frequency of use of Google Pay for online shopping and bill payments, was accepted.H4, which suggested a significant relationship between age and preference of Paytm for in-store and utility bill payments, was accepted (p = 0.023).H5 was accepted (p = 0.027) indicating that there is a significant relationship between age and perceptions of better customer service and problem-solving in both Google Pay and Paytm.
A summary of the research findings, reflecting the impact of demographic characteristics and age on various preferences, concludes the research discussion.To provide relevant information about customer behavior, the study "Survey on Consumer Preference: Google Pay V/S Paytm in Ahmedabad City" carefully reviewed and interpreted the data.(Bhatt, Patel, & Vidani, 2017)

CONCLUSIONS AND RECOMMENDATIONS
This finding suggest As total participants are 103, 68.9% of the participants are from 11-26 Age which is largest from others and most of them are male.Demographic of age play important role.Most of the participants are using Google pay more than paytm Age of Respondent * I Use Google Pay More Frequently for Online Shopping and Bill Payments Crosstabulation Source: SPSS Software Source: SPSS Software a. 14 cells (70.0%) have expected count less than 5.The minimum expected count is .06.Interpretation: AS the P value is less than 0.05 hence, we accept H3.This shows that there is significant association between age and Google Pay more frequently for online shopping and bill payments Crosstabulation H4: There is Significant Association Between Age of Respondent and Paytm For in-Store Payments and Utility Bill Payments Table 8.Age of Respondent * I Prefer Paytm for In-Store Payments and Utility Bill Payments Crosstabulation Source: SPSS SoftwareTable 9.Chi-Square Tests Source: SPSS software a. 13 cells (65.0%) have expected count less than 5.The minimum expected count is .09.

Table 1 .
Case Processing Summary a. Listwise deletion based on all variables in the procedure.Tabel 2. Reliability Statistics Data Analysis: Demographic Summary: The data presents information on the demographic distribution of a sample group based on age, gender and Educational Background Age: • 68.9% of the participants fall in the 11-26 age range.•24.3%fall in the 27-42 age range.•5.8% fall in the 43-58 age range.•1.0%fall in the more than 59 age range • Total sample size 103 participants.Source: SPSS SoftwareAs the alpha value is more than 0.07 i.e 0.687 the data is reliable.Hypothesis TestingChi-Square Analysis H1: These is significant association between age and Google pay more userfriendly and easier to navigate.Age*Google pay more user-friendly H2: These is significant association between age and Paytm more reliable for digital transactions Age * Paytm more user-friendly Table3.Case Processing Summary of Google pay and Paytm Source: SPSS Software Age of Respondent * I find Google pay more user-friendly and easier to navigate.

Table 5 .
Chi-Square Tests *Source: SPSS software a.14 cells (70.0%) have expected count less than 5.The minimum expected count is .05.

Table 10 .
Age of Respondent * Which App is Offers Better Customer Support and Problem Resolution, in Your Opinion?Crosstabulation AS the P value is less than 0.05 hence, we accept H5.This shows that there is significant association between age and Which app is offers better customer support and problem resolution in Google pay and PaytmDISCUSSIONConsumer Preference Survey in Ahmedabad City: Google Pay Vs PaytmDemographic analysis of the survey data reveals essential characteristics of the respondents, with 83.4% of the respondents falling in the 18-25 age group.
Source: SPSS Software Table 11.Chi-Square Tests *Source: SPSS software a. 11 cells (68.8%) have expected count less than 5.The minimum expected count is .06.Interpretation: