AI-POWERED CALL AUTOMATION & VOICE FAQ CHATBOT FOR MARKETING
| Detail | Information | |
|---|---|---|
| Publication Year | 2026 | |
| Author(s) | Dr.G.Santhamoorthy | |
| Journal Name | PCAS International Journal for Multidisciplinary Research | |
| Volume, Issue | Vol 3, Spl Issue 1 | |
| Pages | 99-106 | |
| Article Type | Paper | |
| DOI | NA | |
| Link for paper | https://pcasinternationaljournal.com/wp-content/uploads/2026/04/PCAS_IJMR_2026_03_001.docx-1. |
Keywords
Digital Payments, Mobile Applications, UPI Payments, Customer Behavior, Spending Habits.
Attachment
Abstract
Digital payments, particularly digital wallets and UPI, have witnessed rapid growth and widespread acceptance in Chennai. With the increasing penetration of internet services and the widespread use of smartphones in the city, mobile-based payments have become one of the most convenient and accessible modes of transaction for residents. This study highlights the shift in consumer spending behavior in Chennai, where digital payments have emerged as a primary spending channel across both urban and semi-urban areas of the city.
The research is based on a survey of 126 stakeholders from different parts of Chennai, aiming to understand their attitudes and behavioral patterns toward digital payment systems. As these methods become faster and more user-friendly, the findings indicate a noticeable increase in unplanned and impulsive purchases among users. Age and income also influence usage patterns: higher-income groups in Chennai are more inclined to use digital payments for shopping and everyday expenses, while older users often face difficulties in monitoring and managing their spending through digital platforms.
The study emphasizes the need for financial literacy initiatives, improved budgeting and expense-tracking tools within digital payment applications, and targeted awareness programs in Chennai. These measures can help consumers make informed financial decisions and prevent overspending. Overall, while digital payments offer significant convenience and efficiency, they also present new behavioral challenges, thereby profoundly shaping consumer spending habits in Chennai.