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What is Impact of Digital Payments on Spending in India about?

This study examines the impact of digital payments on consumer spending in India following the 2016 Demonetization, which forced a shift from cash to digital transactions. The findings indicate that increased digital payment usage led to a 2.38% rise in monthly spending, particularly driven by subdued endowment effects rather than transaction costs. The results suggest that while digital payments can enhance spending, they may also encourage overspending among consumers, raising concerns about personal fina

Author

Nitish Kumar

Language

EN