Digital transactions in India have increased significantly since the National Payments Coperation of India introduced the Unified Payments Interface (UPI) in 2016. This study focuses on Generation X (ages 45–60) in Kerala, a state known for its high level of digital literacy, whereas adoption studies have mostly focused on younger generations like Millennials and Gen Z. The results, which are based on responses from 132 participants, show that security, transaction speed and convenience of use are important element that promote UPI adoption within this demographic. However, technological difficulties and security-related worries still serve as obstacles. To increase UPI acceptance in this group, the study emphasizes the need of more user-friendly application designs, focused digital education initiatives, and calculated interventions.