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Published Paper Details:
Digital payment adoption and Impact on spending behavior and perceived value of money: An Empirical Study Among adults
Authors
S.manjula,Dr.S.krithiga Maheswari
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Keywords
Digital Payment, Spending Behavior, Perceived Value of Money, Consumer Behavior, Financial Transactions, UPI, Mobile Wallets, Cashless Economy, Financial Discipline, Digital Payment Adoption.
Abstract
The rapid growth of digital payment technologies has significantly transformed the financial transaction system in modern economies. Digital payment methods such as Unified Payments Interface (UPI), mobile wallets, debit and credit cards, and internet banking have reduced the dependence on physical cash and improved the speed, convenience, and accessibility of financial transactions. While these systems provide numerous advantages, their influence on consumer spending behavior and the perceived value of money has become an important area of study. The shift from tangible cash transactions to intangible digital payments may reduce the psychological awareness associated with spending, often referred to as the "pain of paying," which may influence individuals' financial discipline.
The primary objective of this study is to examine the level of digital payment usage among adults and analyze its impact on spending behavior and the perceived value of money. The study adopts a descriptive research design and follows a quantitative research approach. Primary data were collected from 150 adult respondents using a structured questionnaire. A non-probability convenience sampling method was used for selecting the respondents. The collected data were analyzed using statistical tools such as frequency analysis, percentage analysis, measures of central tendency, and the Chi-square test.
The findings of the study indicate that a majority of respondents frequently use digital payment methods for their daily transactions. The results suggest that the convenience and speed of digital payments encourage frequent purchases and may increase spending tendencies. The study also reveals that digital transactions can reduce the perceived value of money compared to physical cash. Overall, the research highlights the need for financial awareness and responsible spending practices in an increasingly digital payment environment.
IJCRT's Publication Details
Unique Identification Number - IJCRT2603424
Paper ID - 303105
Author type - Indian Author
Page Number(s) - d554-d563
Pubished in - Volume 14 | Issue 3 | March 2026
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No Of Downloads - 16
Author Country - India, 600052, Chennai, Chennai, 600052, Commerce All
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S.manjula,Dr.S.krithiga Maheswari, "Digital payment adoption and Impact on spending behavior and perceived value of money: An Empirical Study Among adults", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.14, Issue 3, pp.d554-d563, March 2026, Available at :http://www.ijcrt.org/papers/IJCRT2603424.pdf
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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