Mobile payment systems have brought a revolutionary change in the way financial transactions are carried out in urban India. The introduction of Unified Payments Interface (UPI), digital wallets, and mobile banking applications has enabled consumers to perform transactions quickly, safely, and conveniently without the use of physical cash. Bengaluru City, recognized as the Silicon Valley of India, has a highly educated, technologically aware, and digitally connected population, making it an ideal location to study consumer adoption of mobile payment systems. This study focuses on identifying the major factors that influence consumers in Bengaluru to adopt mobile payment applications. Using a descriptive research design, primary data were collected from 300 respondents through structured questionnaires. The findings of the study indicate that perceived usefulness, ease of use, trust, security perception, and social influence are the major determinants of mobile payment adoption. While mobile payments offer numerous benefits such as speed, convenience, and transaction records, concerns regarding fraud, network issues, and digital illiteracy among older people still exist. The study provides suggestions to improve awareness, security, and trust in mobile payment systems to ensure inclusive digital financial participation.