Open Access
Issue
SHS Web Conf.
Volume 230, 2026
SYMBICON 2026 – 5th Annual International Conference on Sustainability, Innovation, and Technology
Article Number 02001
Number of page(s) 8
Section Sustainable Innovation and Entrepreneurship
DOI https://doi.org/10.1051/shsconf/202623002001
Published online 10 April 2026
  1. S. Rastogi, C. Panse, A. Sharma, and V. M. Bhimavarapu, Unified Payment Interface (UPI): A digital innovation and its impact on financial inclusion and economic development, Univ. J. Account. Financ., 9, 518–530 (2021). [Google Scholar]
  2. Press Information Bureau, India’s UPI Revolution, Government of India, (2025). https://www.pib.gov.in/PressNoteDetails.aspx?NoteId=154912&ModuleId=3 [Google Scholar]
  3. W. Shi, M. Ali, and C.-M. Leong, Dynamics of personal financial management: a bibliometric and systematic review on financial literacy, financial capability and financial behavior, Int. J. Bank Mark., 43, 125–165 (2025). https://doi.org/10.1108/IJBM-06-2023-0359 [Google Scholar]
  4. M. Razi-ur-Rahim, M. R. Rabbani, F. Uddin, and Z. H. Shaikh, Adoption of UPI among Indian users: Using extended meta-UTAUT model, Digit. Bus., 4, 100093 (2024). https://doi.org/10.1016/j.digbus.2024.100093 [Google Scholar]
  5. S. Tamrakar and A. Lakra, Adoption of Unified Payments Interface (UPI) in Chhattisgarh: Understanding User Behaviour and Personal Finance, ACR J., 2, (2025). https://acr-journal.com/ [Google Scholar]
  6. M. Subramanya and V. Chandrasekar, Invisible Money: Psychological Dynamics of UPI Transactions, J. Emerg. Technol. Innov. Res., 12, (2025). https://doi.org/10.56975/jetir.v12i7.565875 [Google Scholar]
  7. H. Dev, R. Gupta, and D. Kumar, From Cash to Cashless: UPI’s Impact on Spending Behavior among Indian Users, Ext. Abstr. CHI Conf. Hum. Factors Comput. Syst., 1–10 (2024). https://doi.org/10.1145/3613905.3651050 [Google Scholar]
  8. K. Rana and K. Dadwal, A Study of Consumer Preference of UPI over Mobile Wallets among Students, Int. J. Adv. Eng. Manag., 6, 731–733 (2024). https://doi.org/10.35629/5252-0605731733 [Google Scholar]
  9. B. Usman, H. Rianto, and S. Aujirapongpan, Digital payment adoption: A revisit on the theory of planned behavior among the young generation, Int. J. Inf. Manag. Data Insights, 5, 100319 (2025). https://doi.org/10.1016/j.jjimei.2025.100319 [Google Scholar]
  10. M. Shehadeh, H. M. Dawood, and K. Hussainey, Digital financial literacy and usage of cashless payments in Jordan: the moderating role of gender, Int. J. Account. Inf. Manag., 33, 354–382 (2025). https://doi.org/10.1108/IJAIM-03-2024-0115 [Google Scholar]
  11. N. Faraz and A. Anjum, Spendception: The Psychological Impact of Digital Payments on Consumer Purchase Behavior and Impulse Buying, Behav. Sci., 15, 387 (2025). https://doi.org/10.3390/bs15030387 [Google Scholar]
  12. V. F. Anggraeni, F. Zen, Subagyo, and L. N. Istanti, Impulse Buying Tendency Moderates Financial Knowledge and Self Control in Nomadic Students Using Shopee Paylater, Atlantis Press Int. BV, (2024). https://doi.org/10.2991/978-94-6463-576-8_23 [Google Scholar]
  13. K. J. Lamichhane, Spending Behaviour of Gen Z Consumers in the Use of Digital Payment Systems, J. Bus. Soc. Sci. Res., 10, 49–64 (2025). https://doi.org/10.3126/jbssr.v10i1.80318 [Google Scholar]
  14. A. P. Maladkar and D. Shyam, Impact of Digital Payment Systems on Consumer Spending Habits, Eur. Econ. Lett., 1–28 (2025). https://doi.org/10.52783/eel.v15i2s.3839 [Google Scholar]

Current usage metrics show cumulative count of Article Views (full-text article views including HTML views, PDF and ePub downloads, according to the available data) and Abstracts Views on Vision4Press platform.

Data correspond to usage on the plateform after 2015. The current usage metrics is available 48-96 hours after online publication and is updated daily on week days.

Initial download of the metrics may take a while.