A Study on Impact of Digital Payment Apps in Spending Behavior of Rural People in Puducherry

The rapid growth of digital payment applications has significantly changed the way people make financial transactions and manage their spending. This study examines the impact of digital payment apps on the spending behaviour of users, with special focus on middle-class consumers. The research analyses how features such as ease of payment, cashback offers, and transaction records influence spending patterns. The study is based on both primary data collected through structured questionnaires and secondary data gathered from journals, articles, and previous research studies. The findings reveal noticeable changes in spending behaviour, including increased transaction frequency and convenience-driven purchases. While digital payment apps support easy and secure payments, challenges remain in controlling impulsive spending. The study concludes that responsible use of digital payment apps and improved financial awareness are essential for maintaining healthy spending habits.