Loading article...
Loading article...
Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66061
Volume:
10 |
7 |
Jul 2026
Pages:
1-7
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.
MBA
Dr AIT, Bangalore
Asst.Prof, SCM, MBA,
Dr AIT, Bangalore
The quick expansion of digital transaction applications has changed the process through which consumers conduct transactions and make purchasing decisions has fundamentally reconfigured the approach through which consumers execute financial interactions and formulate acquisition choices. Within disparate demographic cohorts, Generation-Z cohorts display exceptional susceptibility to technological interventions and systematically favour electronic transactional modalities owing to their inherent operational efficiency along with accelerated execution velocity and systemic popularity. This empirical inquiry examine the precise mechanisms by which digital-payment software modulates the procurement trajectories characterising Generation-Z demographics situated in the metropolitan region of Bengaluru.
KEYWORDS
The empirical inquiry establishes that digital-payment applications profoundly restructure theebuying behavior characterizing Generation-Z consumers situated within Bengaluru. The vast majority of respondents express an explicit preference for deploying platforms including PhonePe together with Google Pay and Paytm because these architectures deliver a rapid alongside simple and highly optimized transactional experience. Embedded mechanisms including cashback incentives together with loyalty rewards alongside promotional discounts actively stimulate consumers to execute outlays more frequently. Universally the quantitative data demonstrate that digital-payment software exerts a highly significant influence upon the overarching buying behavior of Generation-Z consumers.
1. Ajzen, I. (1991). The model of planned behaviour. Organisational Behaviour and Human Decision Processes, 50(2), 179–211. 2. Davis, F. D. (1989). Factors influencing user acceptance of information systems: Perceived usefulness and ease of use. MIS Quarterly, 13(3), 319–340. 3. Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical study on factors that affect user intention towards mobile payment. Technology and Human Behaviour, 26(3), 310–322. 4. Rook, D. W. (1987). The buying impulse. Journal of Consumer Research, 14(2), 189-199
Publication Date
7/14/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
Documents
Article Views
1
Total views since publication
PDF Downloads
6
Total downloads since publication
Geographic Reach
5
Digital Preservation: This article is permanently archived on Zenodo and complies with all data preservation standards across major indexing platforms.
Plagiarism Screening
This manuscript has been checked for plagiarism using TurnitinPlagiarismChecker software.
Conflict of Interest
The authors declare no conflict of interest related to this research work.
Funding Information
No funding information available for this research.
Related research in the same subject area
Loading similar articles...