Browsing by Author "SUHANA JAFARSAB SHET SANDHI"

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    Impact of Digital Payment System on Consumer Spending
    (ASST. PROF. ARCHANA SHETAPPA MALANAR, 2026) ADAN BRAIN DSA; ASHER NORONHA; DANNISON ASHER FALERIO; SUHANA JAFARSAB SHET SANDHI; IQRA SHAUKAT PATEL
    Digital payments are everywhere today, and it felt important to understand whether they are actually changing the way people spend their money. With UPI, mobile wallets, and online banking becoming part of everyday life, this research explores how these tools are shaping consumer spending habits and financial behavior . A survey was conducted and responses were gathered from 120 participants. Most people love digital payments simply because they are fast and easy. Many use UPI daily, and a good number admitted that paying digitally makes them spend more than usual, since there is no real feeling of money leaving their hands. Fraud and data safety concerns also came up strongly, along with a demand for features like expense tracking and spending alerts within payment apps. Overall, digital payments have clearly changed how people handle money, for better and for worse. Making them safer and smarter could go a long way in helping users make more mindful financial decisions.