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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
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License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 04

Published on: April 2026

A STUDY ON THE IMPACT OF UPI AND DIGITAL PAYMENT SYSTEM ON THE SPENDING BEHAVIOUR OF COLLEGE STUDENTS

ARUNIMA.S DHANYA.R

Dr.R.JAYANTHI

Department of Management Studies Coimbatore Institute of Technology Coimbatore
DOI:https://doi.org/10.55041/ijcope.v2i4.030

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Abstract

The adoption of Unified Payments Interface (UPI) and other digital payment platforms has grown rapidly among young consumers in India, particularly students. This study explores how UPI affects students’ spending behavior, impulsive purchasing tendencies, savings habits, and financial discipline. Primary data were collected from 120 students using a structured questionnaire. The findings indicate that UPI increases convenience and reduces reliance on cash, while also contributing to a higher frequency of impulsive purchases. Features such as cashback rewards, instant payments, and easy accessibility drive its widespread use. Despite its popularity, students remain concerned about overspending and potential fraud. Overall, UPI enhances financial convenience but also shapes students’ financial behavior in notable ways.

How to Cite this Paper

ARUNIMA.S, & DHANYA.R, (2026). A Study on the Impact of UPI and Digital Payment system on the Spending Behaviour of college students. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(04). https://doi.org/10.55041/ijcope.v2i4.030

ARUNIMA.S, , and DHANYA.R. "A Study on the Impact of UPI and Digital Payment system on the Spending Behaviour of college students." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i4.030.

ARUNIMA.S, , and DHANYA.R. "A Study on the Impact of UPI and Digital Payment system on the Spending Behaviour of college students." International Journal of Creative and Open Research in Engineering and Management 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i4.030.

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  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
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  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: Apr 04 2026
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