The Impact of UPI Payments on Spending Habits and Financial Literacy Among Youth in Wayanad District

India has witnessed a significant transformation in its financial ecosystem with the rapid adoption of digital payment systems. Unified Payments Interface (UPI) has emerged as a game-changer in financial transactions, particularly among the youth. This study examines the influence of UPI payments on spending behavior and financial literacy among the youth in Wayanad district, Kerala. The research employs a descriptive design with a quantitative approach, utilizing primary data from structured questionnaires. The findings reveal that while UPI has enhanced convenience and financial inclusion, it has also contributed to impulsive spending and decreased savings. The study underscores the need for financial education initiatives to promote responsible digital financial management among youth. Keywords: UPI payments, financial literacy, spending behavior, digital transactions, youth, financial inclusion