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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM42600

The Impact of UPI Payments on Spending Habits and Financial Literacy Among Youth in Wayanad District

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM42600

Volume:

9 |

3 |

Mar 2025

Pages:

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM42600

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

1JS

1Mr. Jithin Scaria

2R

2Ms. Rubeena

2NN

2Ms. Nadha Nadhuva

2MF

2Mr. Muhammed Faizan

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Abstract

India has witnessed a significant transformation in its financial ecosystem with the rapid adoption of digital payment systems. Unified Payments Interface (UPI) has emerged as a game-changer in financial transactions, particularly among the youth. This study examines the influence of UPI payments on spending behavior and financial literacy among the youth in Wayanad district, Kerala. The research employs a descriptive design with a quantitative approach, utilizing primary data from structured questionnaires. The findings reveal that while UPI has enhanced convenience and financial inclusion, it has also contributed to impulsive spending and decreased savings. The study underscores the need for financial education initiatives to promote responsible digital financial management among youth.

KEYWORDS

UPI payments financial literacy spending behavior digital transactions youth financial inclusion

Cite This Article

1Mr. Jithin Scaria, 2Ms. Rubeena, 2Ms. Nadha Nadhuva, 2Mr. Muhammed Faizan, "The Impact of UPI Payments on Spending Habits and Financial Literacy Among Youth in Wayanad District," International Journal of Scientific Research in Engineering and Management, vol. 9, no. 3, Mar 2025. https://doi.org/10.55041/IJSREM42600

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Publication Date

3/19/2025

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Double-Blind Peer Review

Review Rounds: 2

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