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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM61988
Volume:
10 |
4 |
April 2026
Pages:
1-5
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Department of Master of Business Administration
Zeal Institute of Management and Computer Application, Pune
Department of Master of Business Administration
Zeal Institute of Management and Computer Application, Pune
This Study analyzes the effect of Online payment methods on the financial behaviour of customers in the Pune region, With the rapid growth of UPI, Online banking, mobile wallets, digital transactions have become a common part of everyday life. The study mainly focuses on understanding their effect on spending habits, saving behaviour, and financial decision – making. Information was gathered from one hundred respondents through a structured questionnaire and evaluated using basic statistical methods such as percentage analysis and chi square tests. The results indicate that convenience and user-friendliness are the primary reasons for utilizing digital payments. Reward and cashback offer encourage higher spending, while digital records help users track expenses and manage their finance better. However, concerns related to security still affect user trust. The analysis concludes that electronic payment methods have both positive and negative effects on financial behaviour, and can be improved further in the future.
KEYWORDS
As stated by the study, digital payment methods have evolved into a crucial part of daily financial activities, particularly in the Pune region. users prefer digital these systems because they are fast, easy to use, and convenient, with UPI emerging the most commonly used method. Additionally, the results imply that digital payments have an impact on consumers spending patterns, as users tent to spend more due to ease of transactions. While digital payments help in tracking expenses and improving financial management. However, they might not always prevent unnecessary spending. Additionally, security concerns remain a significant factor, as they affect user confidence and influence the continuous usage of digital payment systems.
Research Papers: 1. Huggi, M. M., Bhuwaneshwari, R., & Udagi, K. (2024). Study regarding the effects of digital payment methods on consumers behaviour in India. 2. Hire, K. A. (2025). Analysis of UPI and electronic payments in e-commerce adoption in India. 3. Sree Lakshmi, K. (2025). Growth of digital payments in India: Consumers behaviour and financial inclusion. 4. Joshi, N., Pathak, A. C., & Kulkarni, V. (2024). Understanding digital payment adoption with focus on UPI usage and security concerns. 5. Hemamalini, E., & Nedumaran, G. (2024). Consumers preference and usage trends of digital payment application. Websites: Reserve Bank of India. (2021). Digital payments in India. https://rbi.org.in National Payments Corporation of India. (2023). UPI and digital payment statistics. https://npci.org.in
Publication Date
4/30/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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