Name: Lakhveer Kaur & Jatinder K Gaba
Country: India

Year: 2025
Volume: Volume-12, Issue-2 (July-December)
Page Number: 79-81
DOI: https://doi.org/10.5281/zenodo.17182045

ABSTRACT
Digital payments have transformed the financial habits of the youth, especially with the
widespread use of the UPI, mobile wallets, and QR code-based transactions. This study
explores how digital payment systems influence the spending patterns, convenience
preferences, and financial awareness of college students. This study uses qualitative insights
from students at the Alpine Institute of Information Technology, Moga, reflecting on
behavioral shifts in budgeting, impulse spending, and trust in cashless transactions. The
findings highlight the benefits and risks of digital financial tools and recommend the
promotion of digital literacy alongside access.
Keywords: Digital payments, UPI, youth spending, mobile wallets, Alpine Institute,
financial behavior