Impact of Digital Payment Systems on Spending Habits of Higher Studies Students

In today’s generation digital world, paying with cash is becoming less common, especially among students in higher education. This study looks at how digital payment methods—like UPI, mobile wallets, and net banking are changing the way students spend their money. after doing the survey in college and university students, we found that using digital payments often makes it easier to spend more money quickly, sometimes without thinking much. Many students said they tend to buy things usually because paying digitally feels easier and more convenient. On the other hand, some students use digital payment to keep better eye on their expenses and manage their finance more carefully. This research highlighting both the good and not-so-good effects of digital payment on student spending habits, and suggests ways to encourage them smarter money management. KEYWORDS Digital Payment Systems, Financial Behaviour, Cashless Transactions, Student Budgeting, Digital Finance.