31, May 2025

A study on the influence of digital payment pathways on consumer expenditure behaviour

VOLUME-11; ISSUE-5; MAY-2025

Author(s): 1.Dr. Dipti Tulpule ,2.Ms Sakshi Dikonda , 3.Dr Neerja Asawle , 4.Ms Nikhat Shaikh, 5.Mr Shreyas Yadav

Authors Affiliations:

1Dr. Dipti Tulpule,        2Sakshi Dikonda,         3Dr. Neeraja Aswale,

4Nikhat Shaikh,           5Shreyash Yadav

1Associate Professor, MITCOM, MIT ADT University, Pune, India

2Research Student, MITCOM, MIT ADT University, Pune, India

3Associate Professor, VIM, Vishwakarma University, Pune

4Research Student, MITCOM, MIT ADT University, Pune, India

5Research Student, MITCOM, MIT ADT University, Pune, India

DOIs:10.2015/IJIRMF/202505047     |     Paper ID: IJIRMF202505047


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The influence of digital payments on consumer behaviour is a intricate and multidimensional issue that merits comprehensive examination. As individuals increasingly adopt digital payment alternatives, their purchasing behaviour, expenditure patterns, and overall financial decision-making processes are undergoing substantial modifications. This paper focuses on influence of digital payments gateway’s influence on purchasing power and buying consistency. The ease of online payment is influencing the buying behaviour of consumer in current tech scenario. A survey-based methodology is appropriate for this research as it enables the collection of quantitative and qualitative data on consumer behaviour, preferences, and perceptions regarding digital payment pathways. The study adopted a descriptive and analytical survey design to assess how digital payment methods influence consumer expenditure behaviour. Final responded were the Consumers who use digital payment methods, including mobile wallets, credit/debit cards, and online banking. A stratified random sampling method was used to ensure representation across age groups, income levels, and geographic locations. A structured questionnaire was designed and Online surveys (Google Forms) and physical surveys was conducted.

 

digital payment ,consumer behaviour , purchasing power, buying consistency , payment pathway , online payment ,

Dr. Dipti Tulpule, Ms Sakshi Dikonda , Dr Neerja Asawle , Ms Nikhat Shaikh, Mr Shreyas Yadav (2025); International Journal for Innovative Research in Multidisciplinary Field, ISSN(O): 2455-0620, Vol-11, Issue-5, Pp.295-301.          Available on –   https://www.ijirmf.com/

 

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