"TO PAY OR NOT TO PAY?": UNDERSTANDING USER DECISION-MAKING AND INFLUENCE OF NUDGES IN UPI APPS — CODE

Code and data for studying user decision-making and nudge effectiveness in UPI (Unified Payments Interface) apps, including the UPI-Pay simulator. The paper appeared in ACM ASIACCS 2026.

1. This repository contains source code of UPI-Pay, our iOS simulator app that emulates real-world UPI payment flows and exposes study participants to configurable combinations of fraudulent scenarios and UI nudges. This code is used in Nandini Bajaj, Shiladitya De, Kshitiz Sharma, Xinru Page, Bart Knijnenburg, Mainack Mondal. 2026. "To Pay or Not to Pay?: Understanding User Decision-Making and Influence of Nudges in UPI Apps." ACM ASIACCS'26. You can read the paper here.

2. Please cite our paper in any published work that uses any of these resources.

@inproceedings{bajaj-2026-upi-nudges,
  author = {Nandini Bajaj and Shiladitya De and Kshitiz Sharma and Xinru Page and Bart Knijnenburg and Mainack Mondal},
  title = {{"To Pay or Not to Pay?": Understanding User Decision-Making and Influence of Nudges in UPI Apps}},
  booktitle = {Proceedings of the ACM ASIA Conference on Computer and Communications Security (ACM ASIACCS 2026)},
  address = {Bengaluru, India},
  month = {June},
  year = {2026}
}