The Impact of Cash V/S Digital Payment Mode on Consumers Spending Behaviour: A Study Conducted In Mysuru

The study finds that digital payment methods have had a clear influence on consumer spending behaviour in Mysuru. People increasingly choose digital transactions for their speed, ease, accessibility, and promotional benefits such as discounts and cashback. At the same time, digital payments can make it easier to spend more and harder for some users to keep track of expenditures. While cash still helps many consumers control their spending, digital payments are now a core part of everyday transactions—especially among younger people. To enjoy the benefits of digital payments without falling into impulsive spending, users should adopt simple money-management practices: track transactions regularly, set budgets, and mix cash and digital methods as appropriate.

Books ·             Kotler, P., & Keller, K. L. (2016). Marketing Management (15th ed.). Pearson Education. ·             Kothari, C. R. (2004). Research Methodology: Methods and Techniques (2nd ed.). New Age International Publishers. ·             Malhotra, N. K. (2017). Marketing Research: An Applied Orientation (7th ed.). Pearson Education. Journals ·             Journal of Retailing and Consumer Services. ·             International Journal of Consumer Studies. Websites ·             Reserve Bank of India: https://www.rbi.org.in ·             National Payments Corporation of India: https://www.npci.org.in ·             Ministry of Electronics and Information Technology: https://www.meity.gov.in References ·             Kothari, C. R. (2004). Research Methodology: Methods and Techniques. New Delhi: New Age International Publishers. ·             Kotler, P., & Keller, K. L. (2016). Marketing Management. Pearson Education. ·             Malhotra, N. K. (2017). Marketing Research: An Applied Orientation. Pearson Education.