Peer Reviewed Open Access Journal
Volume 2 - Issue 1, January - February 2026
📑 Paper Information
| 📑 Paper Title | A Study on The Impact of Digital Payment Methods on Internet Shopping Human Behaviour |
| 👤 Authors | Ms.Kalpavikashini B, Ms.Mahalakshmi S |
| 📘 Published Issue | Volume 2 Issue 1 |
| 📅 Year of Publication | 2026 |
| 🆔 Unique Identification Number | IJAMRED-V2I1P178 |
| 📑 Search on Google | Click Here |
📝 Abstract
The rapid growth of digital technology has significantly transformed the way consumers shop and make payments online. In India, the widespread adoption of digital payment methods such as Unified Payments Interface (UPI), mobile wallets, debit and credit cards, and Buy Now Pay Later (BNPL) services has reshaped internet shopping behaviour. This study aims to examine the impact of digital payment methods on human behaviour in online shopping, with a focus on consumer preferences, purchasing frequency, and decision-making patterns.
The study is based on both primary and secondary data. Primary data were collected through a structured questionnaire from 50 respondents to understand their demographic profile, preferred digital payment modes, reasons for usage, and satisfaction levels. Secondary data were gathered from research journals, RBI and NPCI reports, and previous studies related to digital payments and consumer behaviour. The findings reveal that UPI is the most preferred digital payment method due to its ease of use, transaction speed, and security. Mobile wallets and BNPL services are also widely used, mainly because of cashback offers, flexible payment options, and convenience.
The availability of simple and fast digital payment options has encouraged frequent online shopping and, in some cases, impulsive buying behaviour. While most users express satisfaction with digital payment systems, concerns related to security risks, payment failures, and lack of awareness about hidden charges still exist. The study concludes that digital payment methods play a crucial role in influencing online shopping behaviour and highlights the need for improved awareness and stronger security measures to enhance consumer trust.
The study is based on both primary and secondary data. Primary data were collected through a structured questionnaire from 50 respondents to understand their demographic profile, preferred digital payment modes, reasons for usage, and satisfaction levels. Secondary data were gathered from research journals, RBI and NPCI reports, and previous studies related to digital payments and consumer behaviour. The findings reveal that UPI is the most preferred digital payment method due to its ease of use, transaction speed, and security. Mobile wallets and BNPL services are also widely used, mainly because of cashback offers, flexible payment options, and convenience.
The availability of simple and fast digital payment options has encouraged frequent online shopping and, in some cases, impulsive buying behaviour. While most users express satisfaction with digital payment systems, concerns related to security risks, payment failures, and lack of awareness about hidden charges still exist. The study concludes that digital payment methods play a crucial role in influencing online shopping behaviour and highlights the need for improved awareness and stronger security measures to enhance consumer trust.
📝 How to Cite
Ms.Kalpavikashini B, Ms.Mahalakshmi S,"A Study on The Impact of Digital Payment Methods on Internet Shopping Human Behaviour" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(1): Page(1150-1157) Jan-Feb 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.
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