stdClass Object
(
    [id] => 15726
    [paper_index] => 202504-01-021212
    [title] => DIGITAL PAYMENT APPS AND IMPULSE BUYING: ANALYSING SPENDING BEHAVIOURS AMONG UNIVERSITY STUDENTS
    [description] => 
    [author] => Balaji R, Dr. Karthik P, Bhuvan P
    [googlescholar] => 
    [doi] => 
    [year] => 2025
    [month] => April
    [volume] => 11
    [issue] => 4
    [file] => fm/jpanel/upload/2025/April/202504-01-021212.pdf
    [abstract] => Recent advancements in digital payment applications have transformed the financial behaviour patterns of present-day youth students who are undertaking undergraduate studies. Students from educational centers across Bangalore are leaving behind cash transactions while adopting mobile wallets and Unified Payments Interface (UPI) applications and Buy-Now-Pay-Later (BNPL) payment methods. The implementation of digital payments introduced a convenience-based lifestyle along with worrying problems of impulsive spending and bad financial behaviour among young adults who lack financial experience. Undergraduate students' impulse buying behaviour will be studied through a research investigation of digital payment apps' accessibility features. This research analyses essential elements which include how often students use apps together with behavioural triggers found within the app such as quick payments and instant credits and promotional alerts and their effects on budgeting methods and repayment anxiety. A structured questionnaire was distributed to 64 students enrolled at undergraduate level in Bangalore who were selected through purposive sampling. The research used descriptive analysis to interpret the collected data which incorporated both quantitative measurements and qualitative feedback obtained from open-ended questions. The research shows that students who use digital payment platforms frequently demonstrate higher impulsive buying habits especially when they lack financial planning skills. Financially literate students showed responsible borrowing behaviour and lower stress levels while also demonstrating better budgeting skills. The research shows how fintech technologies provide simple financial solutions but simultaneously creates problems when used by people who lack guidance. The paper ends by advocating for prompt implementation of financial literacy programs into college curricula and proposes to include educational resources directly in digital payment systems for promoting responsible financial conduct.
    [keywords] => Digital Payment Applications, UPI, Impulse Spending, Undergraduate Students, BNPL, Financial Literacy, Borrowing Behaviour, Digital Payment systems.
    [doj] => 2025-04-24
    [hit] => 
    [status] => 
    [award_status] => P
    [orderr] => 115
    [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
)
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