A Study on Public Perception towards Effectiveness of Digital Lending Platforms with Special Reference to Coimbatore City

This study examines the effectiveness and key factors driving consumer adoption of digital lending platforms.Focusing on elements such as trust, ease of access, loan disbursement speed, affordability, and demographicinfluences, the study explores consumer motivation and challenges. This study uses simple random samplingtechnique and approximately 150 respondents are collected. Data is collected to through a structured questionnaire for primary insights and secondary sources such as books, journals, and online articles for contextual support. This research contributes to understanding public behaviour in the context of digital lending, providing practical recommendations for platforms to build trust, address consumer concerns, and support sustainable growth. These insights lay a foundation for future studies on optimizing digital lending platforms to remain competitive in an evolving digital economy.