Boddu Kathyayini1 , J Balakrishna2 , Karthik Pochamgalla3 , Golla Swathi4 , K.V. Chiranjeevi5 2026. A STUDY OF DIGITAL PAYMENTS IMPACT ON CUSTOMER BEHAVIOUR AND ADOPTION OF UPI MOBILE WALLETS AMONG VARIOUS DEMOGRAPHICS AT HDFC BANK. International Journal of LAW, Arts and Humanities. 2, 1 (Mar. 2026), 138–145. DOI:https://doi.org/10.64751/r6te7j96.