Published Paper Details:

The project titled "A Study on Consumer Spending via Credit Cards" aims to comprehensively analyze the patterns and trends of consumer expenditure through credit card transactions. In an increasingly digitized economy, credit cards have become a pivotal tool for modern-day transactions. This research endeavors to shed light on the dynamics of consumer behavior by investigating their spending habits, preferences, and the factors influencing their choices when using credit cards. The study will encompass a multi-dimensional approach, combining both quantitative and qualitative methods to gather and interpret data. Quantitative analysis will involve the collection and examination of transaction data from various credit card companies and financial institutions. This data will be subjected to statistical techniques to identify spending trends across different demographics, geographic locations, and product categories. Additionally, the research will delve into qualitative aspects by conducting surveys, interviews, and focus group discussions to gain insights into consumer perceptions, attitudes, and motivations related to credit card usage. Furthermore, the project intends to explore the impact of socio-economic factors, such as income levels, age groups, and cultural backgrounds, on consumer spending behavior. By deciphering these influences, the study aims to provide valuable insights to both financial institutions and policymakers, enabling them to make informed decisions regarding credit card regulations, marketing strategies, and financial literacy initiatives.