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This study investigates the factors influencing customers’ adoption and usage of UPI (Unified Payments Interface) apps, with special reference to Pollachi Taluk. The primary objective is to understand how socio-economic variables and user perceptions affect the adoption of UPI applications. Data was collected from a sample of 120 respondents using the convenient sampling method. Key factors such as convenience, speed, user-friendliness, and ease of use emerged as major drivers for UPI adoption, while gender showed a significant association with specific adoption aspects like speed and usability. Correlation analysis highlighted moderate influences of education, occupation, and age on adoption behaviour. The findings emphasize the importance of tailoring app features and awareness efforts to match user profiles and regional contexts. Scope for future research includes comparative studies across different taluks or districts, analysis of post-adoption behaviour, the impact of digital literacy initiatives, and evaluating the role of government and private incentives in sustaining UPI usage.