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Open Access

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Peer-reviewed

Impact of Digital Payment Adoption on Consumer Spending Behavior in Urban vs Rural Households in India

Prof. R. B Saxena

DIP: 18.02.050/20251002

DOI: 10.25215/2455/1002050

Received: January 06, 2025; Revision Received: March 20, 2025; Accepted: June 18, 2025

Abstract

This study investigates the impact of digital payment adoption on household spending behavior in urban and rural India. Using primary data from 400 households and employing chi-square tests, t-tests, and regression analysis, the study finds significant differences in adoption rates, monthly expenditure, and discretionary spending patterns between adopters and non-adopters. Urban households and higher spenders are more likely to adopt digital payments, which are also associated with increased discretionary spending. The findings highlight the need for targeted financial literacy and inclusive digital infrastructure policies to ensure responsible and equitable digital payment usage.

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The author(s) appreciates all those who participated in the study and helped to facilitate the research process.

The author(s) declared no conflict of interest.

This is an Open Access Research distributed under the terms of the Creative Commons Attribution License (www.creativecommons.org/licenses/by/2.0), which permits unrestricted use, distribution, and reproduction in any Medium, provided the original work is properly cited.

© 2025, Saxena R B

Responding Author Information

Saxena R B @ info.ijsi@gmail.com

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Impact of Digital Payment Adoption on Consumer Spending Behavior in Urban vs Rural Households in India

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Article Overview

ISSN 2455-670X

DIP: 18.02.050/20251002

DOI: 10.25215/2455/1002050

Published in

Volume 10 Issue 2, April – June, 2025

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