The growing adoption of digital payment systems has transformed financial transactions, yet rural populations still struggle with accessibility and usability. The purpose of the study is to identified challenges faced by problems and challenges faced by Digital wallet users in rural areas. It is seen that key challenges faced by users are Poor internet connectivity, low digital literacy, language barriers, high transaction fees, KYC and documentation challenges, resistance to change, poor customer support access, limited acceptance by merchants, electricity inconsistency, limited smartphone users.