stdClass Object
(
    [id] => 15724
    [paper_index] => 202504-01-021213
    [title] => THE ROLE OF DIGITAL LENDING PLATFORMS IN INFLUENCING SPENDING PATTERNS AMONG UNDERGRADUATE STUDENTS 
    [description] => 
    [author] => Shivansh Rai, Dr. Karthik P, Korivi Venkat Kishore
    [googlescholar] => 
    [doi] => 
    [year] => 2025
    [month] => April
    [volume] => 11
    [issue] => 4
    [file] => fm/jpanel/upload/2025/April/202504-01-021213.pdf
    [abstract] => This research dives into how digital lending platforms change spending habits among college students in cities like Bangalore. We're investigating how easy access to cash through digital loans affects how these young urban students spend and manage money. The rapid emergence of these platforms (mPokket, KreditBee, Slice, CASHe, and Fibe) is a matter of concern among young people, given that everyone is now familiar with them. Young people are much more likely to spend impulsively now that they can get quick loans using just their smartphones, and these easy loans are ramping up stress, so people have to worry about their money in the long run. Data were collected using a structured questionnaire administered to 122 participants. We're getting into the details of how people use financial products and services, and looking closely at literacy and reasoning about money, and how that changes behaviors around spending, and also the link to discipline when it comes to paying back. Findings suggest that while digital lending platforms provide critical financial support for educational and emergency needs, they also predispose students to impulsive spending if used without proper financial guidance. The paper closes with suggestions on how to incorporate financial literacy into the school syllabi, as well as recommending that digital lending services implement borrower-centric counseling features that cultivate responsible borrowing behavior. 
    [keywords] => Digital Lending Platforms, Digital Loans, Young Urban Students, Impulsive Spending, Financial Guidance, Financial Literacy.
    [doj] => 2025-04-23
    [hit] => 
    [status] => 
    [award_status] => P
    [orderr] => 113
    [journal_id] => 1
    [googlesearch_link] => 
    [edit_on] => 
    [is_status] => 1
    [journalname] => EPRA International Journal of Multidisciplinary Research (IJMR)
    [short_code] => IJMR
    [eissn] =>  2455-3662 (Online)
    [pissn] => - --
    [home_page_wrapper] => images/products_image/11.IJMR.png
)
Error fetching PDF file.