Observational analysis reveals digital payment systems encourage financial discipline in Gen Z women, highlighting their role in responsible money management.
The study explores the influence of digital payment system on the purchasing behaviour and financial management habits of Gen Z women in Bengaluru. With the rapid adoption of mobile wallets, UPI platforms, and digital payments, convenience has become a defining factor in daily transactions. However, findings say that while these platforms are widely used, they do not necessarily drive more frequent purchases. Instead, their impact is more evident in encouraging financial discipline, such as setting spending limits and using budgeting tools. The results highlight a shift in perception digital payment systems are not merely transaction tools but are becoming valuable partners in fostering responsible money management. This reflects the evolving relationship between technology and consumer behaviour, where digital convenience meets conscious financial choices, empowering a tech-savvy generation to balance ease with accountability.
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C Bhavana (2025) studied this question.
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