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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM68094
Volume:
10 |
10 |
Oct 2026
Pages:
1-9
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.
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BBA
KLEF
Digital wallets have become a primary payment channel for consumers, and the push notifications they send, such as cashback alerts, promotional offers, payment reminders and transaction confirmations, are a constant feature of the payment experience. This study examines whether and how these notifications influence spending behaviour. Using a cross-sectional survey design with a sample of 300 digital wallet users, three hypotheses were tested with Excel-based statistical procedures. A chi-square test of independence examined whether notification frequency is associated with impulse purchasing; a one-way ANOVA compared monthly wallet spending across the dominant type of notification received; and a multiple linear regression estimated the effect of daily notification volume on monthly spending after controlling for age, income and notification engagement. Impulse purchasing rose sharply with notification frequency (14.0% at low, 30.9% at medium and 51.4% at high frequency; χ²(2) = 23.49, p < .001, Cramér’s V = .28). Mean monthly spending differed significantly by notification type, F(3, 296) = 16.67, p < .001, η² = .145, with cashback/offer and promotional notifications associated with the highest spending and payment reminders with the lowest. In the regression model (R² = .533), each additional daily notification was associated with about ₹332 more monthly spending (p < .001), alongside significant effects of income and engagement. The findings suggest that notifications function as behavioural nudges whose effect depends on both their volume and their content. Implications for wallet providers, regulators and consumers are discussed, together with limitations and directions for future research.
KEYWORDS
This study examined how digital wallet notifications relate to spending behaviour using chi-square, ANOVA and multiple regression. Higher notification frequency was associated with markedly more impulse purchasing, spending differed significantly by notification type with reward-based messages linked to the highest spending, and daily notification volume remained a significant predictor of monthly spending after controlling for age, income and engagement. Notifications appear to work as behavioural nudges whose force depends on both how often they arrive and what they offer. Because the present dataset is simulated, these conclusions illustrate the analytical approach rather than establishing empirical facts; replicating the analysis with real respondent data, using the accompanying workbook, is the natural next step.
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Publication Date
10/19/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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