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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 6

Published on: June 2026

IMPACT OF GLOBAL FINTECH COMPANIES ON INDIAN FINTECH FIRMS: A CONSUMER-CENTRIC STUDY OF SAVINGS AND SPENDING BEHAVIOUR

Prof. Jalpa Shah Dr. Pratik Darji Dr. Hitesh Harwani

JG University, Ahmedabad, Gujarat
DOI:https://doi.org/10.55041/ijcope.v2i6.205

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Abstract

This research paper explores the transformative impact of global financial technology (FinTech) companies on domestic Indian FinTech firms and consumer behaviour, with a specific focus on savings and spending patterns. Driven by the rapid digitization of financial services and initiatives like the Unified Payments Interface (UPI), India has become a premier digital payment market. By analysing responses from 425 participants in Ahmedabad, the study evaluates the competitive dynamics between global giants (e.g., Google Pay) and domestic innovators (e.g., Paytm), examining factors such as user interface preference, trust, gamification, and the shift from physical to digital assets. The findings indicate that while global platforms often drive impulsive spending through convenience and incentives, digital platforms simultaneously promote structured saving habits. Ultimately, the study underscores the critical role of Indian regulatory frameworks (RBI/NPCI) in maintaining consumer trust in an increasingly globalized financial ecosystem.

How to Cite this Paper

Shah, J., Darji, P. & Harwani, H. (2026). Impact of Global Fintech Companies on Indian Fintech Firms: A Consumer-Centric Study of Savings and Spending Behaviour. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(6). https://doi.org/10.55041/ijcope.v2i6.205

Shah, Jalpa, et al.. "Impact of Global Fintech Companies on Indian Fintech Firms: A Consumer-Centric Study of Savings and Spending Behaviour." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 6, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i6.205.

Shah, Jalpa,Pratik Darji, and Hitesh Harwani. "Impact of Global Fintech Companies on Indian Fintech Firms: A Consumer-Centric Study of Savings and Spending Behaviour." International Journal of Creative and Open Research in Engineering and Management 02, no. 6 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i6.205.

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References


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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: Jun 17 2026
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