Volume 3 Issue 2 | 2026 | View PDF
Paper Id: IJMSM-V3I2P118
doi: 10.64137/30485037/V3I2P118

A Study on the Impact of Digital Payments and UPI on the Consumer Spending Behaviour of People in Rural Areas in and Around Thamaraipulam

Dr. B. Asha Daisy, Divya.D

Citation:
Dr. B. Asha Daisy, Divya.D, "A Study on the Impact of Digital Payments and UPI on the Consumer Spending Behaviour of People in Rural Areas in and Around Thamaraipulam" International Journal of Multidisciplinary on Science and Management, Vol. 3, No. 2, pp. 141-149, 2026.

Abstract:
This study focuses on the impact of digital payments and UPI on consumer spending and financial behaviors of the people in rural areas around the Thamaraipulam village in Nagapattinam District. I focus my research on the growth of UPI transactions and consumer preference towards cashless payments. As rural people use the online transaction system, they can easily send and receive money. The main objectives are consumer spending, cash management, saving patterns, budgeting habits, and financial inclusion. It also analyzes the relationship between income levels and the adoption of digital payment methods. The research is based on primary data collected from the questionnaire format data through surveys and primary sources. The research findings on financial inclusion increase the use of the online transaction system in rural areas. Rural people easily transfer money from one account to another account, such as the research methodology used in SPSS software in Descriptive Statistics, Chi-square, Correlation, Regression, and T-Test analysis. The study concludes that digital payments play an important role in promoting the financial transaction system and financial inclusion, financial modern financial practices in around the Thamaraipulam village.

Keywords: Digital Payments, Financial Behaviours, Consumer Preference, Cashless Payments, Cash Management, Financial Inclusion.

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