Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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Impact of Digital Payment Apps on Students' Spending Habits

Author(s) Dr. Ambily A S, Sri. Krishnara, Sri. A.T Arjun
Country India
Abstract This study investigates the impact of digital payment applications on the spending habits of undergraduate students. A survey of 41 participants, predominantly 19-year-old male undergraduates with limited monthly allowances, was conducted to explore their usage frequency, preferred apps, and perceptions of financial management. The findings reveal that digital payments are used daily for frequent purchases like online shopping, groceries, and food delivery, with Google Pay being the most popular app. A significant majority of respondents (82.9%) believe their monthly spending has increased since they began using these apps, and over half (51.3%) feel they have become more impulsive. Despite this, only a small portion actively uses expense-tracking features or sets spending limits. The key drivers for adoption are convenience and the speed of transactions, while cashback offers are a secondary motivator. The study concludes that while digital payments offer convenience and transactional ease, they also contribute to a perceived increase in spending and a lack of financial discipline among students. The findings suggest a need for digital payment platforms to integrate more robust and user-friendly financial management tools to help this demographic better control their spending.
Keywords Digital payments, student spending, financial habits, mobile wallets, UPI, financial literacy
Field Business Administration
Published In Volume 6, Issue 6, November-December 2025
Published On 2025-12-31
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E-ISSN 3048-7641
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