| Title: A COMPARATIVE PERFORMANCE ANALYSIS OF CBDC WALLET APPLICATIONS: INSIGHTS FROM GOOGLE PLAY STORE USER DATA |
| Author: Dr. Cirappa. I. B. and Mr. Nagaraju. V. |
| Abstract: CBDC initiatives in India have resulted in various leading banks rolling out multiple Digital Rupee wallet applications. Various dimensions of user adoption, satisfaction, and app performance need to be understood for the benefit of strengthening the CBDC ecosystem. Based on real data collected from the Google Play Store, this paper presents an analysis of download numbers, user ratings, Android users, and tablet ratings of CBDC wallet apps launched by major Indian banks. This research identifies patterns in adoption, evaluates user satisfaction, and highlights lapses in application performance. For analysis, the quantitative approach was used to analyse download volumes, average ratings, and user feedback trends. The research indicates there is significant variation in the adoption across banks. SBI and ICICI demonstrate high downloads, but satisfaction levels remain mixed, while other banks, such as IDFC First Bank, have lower downloads coupled with high ratings. The paper concludes with recommendations for enhancing the usability, performance, and awareness of CBDC wallets. |
| Keywords: CBDC, digital rupee, wallet apps, user ratings, Google Play Store, Fintech Adoption, digital payments, RBI, and Android app analysis |
| DOI: https://doi.org/10.38193/IJRCMS.2025.7646 |
| PDF Download |
| Date of Publication: 31-12-2025 |
| Download Publication Certificate: PDF |
| Published Vol & Issue: Volume 7 Issue 6 Nov-Dec 2025 |