• ALOK AGRAWAL
• Dr. SNEHA SINGH

This study examines how digital payment apps influence the spending behaviour of youth in India. With the rapid growth of platforms like Google Pay, Phone Pe, and Paytm, young consumers have shifted from cash to convenient cashless transactions. The research highlights that while digital payments promote financial inclusion and ease of transactions, they also encourage impulsive and frequent spending. Data was collected through a structured questionnaire from young users aged 18–30 years to analyse adoption patterns, spending habits, and financial awareness. The findings suggest a need for financial education and app-based spending control features to promote responsible usage.

Digital payments, Youth spending behaviour, financial literacy, Consumer behaviour, Cashless economy.

"A STUDY ON THE IMPACT OF DIGITAL PAYMENT APPS ON SPENDING BEHAVIOUR OF YOUTH IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 11, page no.d626-d630, November-2025, Available :http://www.jetir.org/papers/JETIR2511366.pdf

"A STUDY ON THE IMPACT OF DIGITAL PAYMENT APPS ON SPENDING BEHAVIOUR OF YOUTH IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 11, page no. ppd626-d630, November-2025, Available at : http://www.jetir.org/papers/JETIR2511366.pdf