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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66160
Volume:
10 |
7 |
Jul 2026
Pages:
1-13
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 student,
Vidya Vikas Institute of Engineering and Technology, Mysuru,
Assistant Professor
Vidya Vikas Institute of Engineering and Technology, Mysuru,
The transition to a digitally driven ecosystem has altered the psychological relationship between consumers and money by removing the traditional "pain of paying". Objectives: This study investigates the impact of digital payment systems on consumer behavior in Mysuru, assessing user perceptions of transaction accessibility and its subsequent influence on purchase frequency and impulsive consumption. Methodology: Utilizing a descriptive and analytical design, primary data was gathered from 150 adult consumers in Mysuru using a convenience sampling technique. The data was analyzed using descriptive statistics and non-parametric One-Sample Chi-Square tests. Young adults aged 18–25 represent the primary user segment (61.54%). A majority of respondents agreed that digital payments are widely available (40.38%) and accelerate transaction speed. One-Sample Chi-Square testing confirmed that transaction processing speed significantly differs from equal probability distributions (p = 0.012), proving that operational velocity is a core driver of platform utility. Furthermore, 28.85% of respondents agreed that digital systems encourage more frequent purchases by eliminating cash-withdrawal constraints. However, inferential testing regarding the explicit acceleration of unplanned or impulsive purchases yielded a non-significant distribution (p = 0.874), suggesting that structural overspending remains mediated by individual financial discipline. Conclusion: The study concludes that while digital infrastructure has successfully accelerated transaction convenience across Mysuru, it creates a dual behavioral paradigm where transactional autopilot increases buying frequency, though explicit impulse control still varies significantly by individual financial habits.
KEYWORDS
The study concludes that digital payment systems have significantly influenced consumer behaviour in Mysore. Consumers increasingly prefer digital transactions because they are convenient, fast, and secure. The use of digital payment methods has changed purchasing patterns and increased online shopping activities. However, concerns regarding cybersecurity and internet connectivity still exist. Overall, digital payment systems have contributed positively to the transformation of consumer behaviour and will continue to play an important role in India's move towards a cashless economy.
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Publication Date
7/18/2026
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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No funding information available for this research.
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