Advanced International Journal for Research

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

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Volume 7 Issue 2
March-April 2026

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Role of Income and Alternative Financing Models in Shaping Consumer Buying Behavior in the Online Skill Development Course

Author(s) Dr. Kruti Vaibhav Dave, Rishikraj M
Country India
Abstract The rapid growth of online skill development courses has transformed the landscape of education by providing flexible, accessible, and cost-effective learning opportunities. However, financial factors continue to influence consumer enrollment decisions. This study examines the impact of income level and alternative financing models on consumer buying behavior toward online skill development courses. A quantitative research approach was adopted using primary data collected through a structured questionnaire. Statistical tools such as ANOVA and regression analysis were applied using SPSS and Excel to analyze the data.
The findings reveal that income level significantly influences consumer behavior, with noticeable differences in course preference, price sensitivity, and platform comparison across income groups. Additionally, the study highlights that alternative financing options, including EMI, Buy Now Pay Later (BNPL), and installment plans, have a statistically significant and positive effect on purchase decisions. The regression analysis indicates a moderate relationship, with financing models explaining a considerable portion of variation in consumer behavior.
Overall, the study concludes that both income and flexible payment options play a crucial role in shaping purchasing decisions in the online education sector. These findings provide valuable insights for online learning platforms to design pricing strategies and financing options that enhance accessibility and increase enrollment.
Keywords Consumer Buying Behavior, Income Level, Online Skill Development Courses, Alternative Financing Models, Buy Now Pay Later (BNPL), Installment Plans, Purchase Decision
Field Mathematics > Economy / Commerce
Published In Volume 7, Issue 2, March-April 2026
Published On 2026-04-20
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E-ISSN 3048-7641
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