Unlike the offline world, the online scenario is entirely different. On the internet, everything is based on perceptions and reputation. A person with malicious intents also can present himself as "the honest guy". In the online world, what seems is not always the truth. And that is why, making an assessment, a realistic assessment becomes critical.Though there are many players in the online payment field, they operate within their own specific fields like mobile/Data recharge, e-commerce payments and many others. Hence I would need a broader perspective to achieve an accurate, or reasonably accurate assessment for making an analysis and interpretation of the views of general people using the online payment services.