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Impact of Digital Payment Systems on Consumer Spending Behavior

This research paper analyzes how the rapid adoption of digital payment systems like UPI and digital wallets in India has transformed consumer spending behavior, specifically examining changes in purchase frequency, transaction values, impulse buying, and budget discipline through secondary data analysis from 2019 to 2025.

Original authors: Ruchika gedam, Anamika Pramod Chate, Punam Gajanan Bhujade, Pratiksha Meshram

Published 2026-09-01
📖 1 min read☕ Coffee break read

Original authors: Ruchika gedam, Anamika Pramod Chate, Punam Gajanan Bhujade, Pratiksha Meshram

Original paper licensed under CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). This is an AI-generated explanation of the paper below. It is not written or endorsed by the authors. For technical accuracy, refer to the original paper. Read full disclaimer

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