Emerging markets experience rising digital wallet adoption because digital transactions show quick expansion. The understanding of adoption factors becomes critical because underserved populations face specific challenges. This research examines the impact of trust combined with social security and perceived ease of use and perceived usefulness on behavioral intention toward digital wallet adoption. This research evaluates behavioral intention effects on adoption together with trust and social security variables and investigates the driving force of perceived ease of use and usefulness for adoption while examining behavioral intention's intermediating role in this process. A quantitative study utilizes structural equation modeling (SEM) to analyze data collected through surveys administered to Bangalore urban slum residents. The study investigates direct, indirect and mediating relationships of core variables in order to develop a robust digital wallet adoption framework. Results indicate that behavioral intention primarily guides digital wallet adoption through the determined influence of trust and social security frameworks. Perceived ease of use along with perceived usefulness show weaker relationships with adoption compared to trust and intention. Digital wallet adoption depends most strongly on trust combined with behavioral intention according to this research so it emphasizes the pressing need to enhance financial transaction safety measures by strengthening digital trust. The research creates important knowledge that can help stakeholders better understand how to boost digital wallet acceptance by at-risk demographic groups.