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December-2025
eISSN: 2349-5162
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Journal of Emerging Technologies and Innovative Research ( An International Scholarly Open Access Journal, Peer-reviewed, Refereed, Crossref DOI Journal )
Impact factor 7.95 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal
UGC Approved Journal no 63975(19)
New UGC Peer-Reviewed Rules
ISSN: 2349-5162 | ESTD Year : 2014 Volume 12 | Issue 12 | December 2025
New UGC Peer-Reviewed Rules
ISSN: 2349-5162 | ESTD Year : 2014 Volume 12 | Issue 12 | December 2025
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UGC and ISSN approved 7.95 impact factor UGC Approved Journal no 63975
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Published Paper ID:
JETIR2512271
Registration ID:
573037
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Title
Impact of Digital Payments (UPI) on Consumer Buying Behaviour
Abstract
This paper examines how the Unified Payments Interface (UPI) has influenced consumer buying behaviour in India. Using a mixed-method approach (structured questionnaire + secondary data), the study analyses changes in spending frequency, transaction sizes, impulse purchases, channel choice (online vs offline), and consumer perceptions of convenience and security. The findings indicate that UPI has increased transaction frequency, encouraged low-value, high-frequency purchases, and reduced friction in checkout — thereby shifting consumer preferences and retailer strategies. Policy implications and recommendations for retailers, fin techs, and regulators are provided. Key empirical claims are supported by recent NPCI and government data and academic studies.
Key Words
UPI, digital payments, consumer behaviour, Fin tech, NPCI.
Cite This Article
"Impact of Digital Payments (UPI) on Consumer Buying Behaviour", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 12, page no.c627-c631, December-2025, Available :http://www.jetir.org/papers/JETIR2512271.pdf
ISSN
2349-5162 | Impact Factor 7.95 Calculate by Google Scholar
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 7.95 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator
Cite This Article
"Impact of Digital Payments (UPI) on Consumer Buying Behaviour", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 12, page no. ppc627-c631, December-2025, Available at : http://www.jetir.org/papers/JETIR2512271.pdf
Publication Details
Published Paper ID: JETIR2512271
Registration ID: 573037
Published In: Volume 12 | Issue 12 | Year December-2025
Page No: c627-c631
Country: Erode, Tamilnadu, India .
Area: Commerce
ISSN Number: 2349-5162
Publisher: IJ Publication
Published Paper URL :: https://www.jetir.org/view?paper=JETIR2512271
Published Paper PDF: https://www.jetir.org/papers/JETIR2512271
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