Managing household expenses has become more convenient with the growth of digital payment systems. Utility bill payment is now widely handled through online platforms that allow users to complete transactions quickly and securely. Instead of standing in long queues or managing multiple due dates manually, people can now rely on digital tools to stay organized. Alongside this shift, access to an instant loan has also helped users manage utility expenses during financial gaps. Utility bill payment includes services such as electricity, water, gas, and other essential household needs. When payments are delayed, it may cause disruptions or penalties. Digital systems ensure that utility bill payment is completed on time, while…