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© 2026 IJSREM – International Journal of Scientific Research in Engineering and Management. This is an open-access journal. Articles are published under the Creative Commons Attribution (CC BY 4.0) License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM63977

A Study on Factors Influencing the Adoption of Digital Payment Systems and Its Impact on Consumer Buying Behavior

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM63977

Volume:

10 |

5 |

May 2026

Pages:

1-4

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM63977

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.

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Authors

Hari Prashad S

Hari Prashad S

Master of Business Administration

Rathinam Technical Campus

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AR

Aysha R

Master of Business Administration

Rathinam Technical Campus

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Abstract

This study investigates the factors influencing the adoption of digital payment systems and their impact on consumer buying behavior. The research focuses on awareness, ease of use, trust, and perceived security. Data were collected from 100 respondents using a structured questionnaire. Statistical tools such as percentage analysis, mean and standard deviation, ANOVA, correlation, and regression were employed. The findings indicate that awareness and ease of use significantly influence consumer buying behavior, while trust and security positively contribute to adoption. The study highlights the importance of improving digital literacy and security measures to strengthen digital payment adoption.

KEYWORDS

Percentage analysis mean analysis ANOVA correlation

Cite This Article

Hari Prashad S, Aysha R, "A Study on Factors Influencing the Adoption of Digital Payment Systems and Its Impact on Consumer Buying Behavior," International Journal of Scientific Research in Engineering and Management, vol. 10, no. 5, pp. 1-4, May 2026. https://doi.org/10.55041/IJSREM63977

Full Article/Conclusion

Digital payment systems play a significant role in shaping modern consumer behavior. Awareness, ease of use, trust, and security positively influence adoption. Strengthening digital infrastructure and consumer education will further support the growth of a cashless economy. Digital payment systems play a significant role in shaping modern consumer behavior. Awareness, ease of use, trust, and security positively influence adoption. Strengthening digital infrastructure and consumer education will further support the growth of a cashless economy. Digital payment systems play a significant role in shaping modern consumer behavior. Awareness, ease of use, trust, and security positively influence adoption. Strengthening digital infrastructure and consumer education will further support the growth of a cashless economy.  

References

1.            RBI Reports. 2.            Journal articles on digital payments. 3.            Fintech and consumer behavior studies. 4.            Government reports and publications.

Editorial & Review Transparency

Publication Date

5/25/2026

Peer Review Type

Double-Blind Peer Review

Review Rounds: 2

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5

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Conflict of Interest

The authors declare no conflict of interest related to this research work.

Funding Information

No funding information available for this research.

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