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@article{179894,
        author = {Dr R KRISHNA VARDHAN REDDY},
        title = {The Behavioral Economics of Digital Lending: A Statistical Study on Borrowing Patterns and App Usage},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {8094-8099},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=179894},
        abstract = {This research paper investigates the 
behavioral economics underlying digital lending by 
analysing borrowing patterns and the usage of digital 
loan applications among a sample of 100 respondents 
were administered. The research study used both 
primary and secondary data for analysis the 
quantitative data thus collected from respondents were  
analysed using chi-square tests, the research examines 
whether demographic factors such as age, income and 
educational qualification levels associated with the 
likelihood of using digital loan apps. The results finally 
indicated that there is no statistically significant 
relationship between demographic variables and app 
usage, suggesting uniform adoption across groups. 
Additionally, independent samples and paired samples 
t-tests assess differences in loan amounts between users 
and non-users and changes in borrowing frequency 
before and after app adoption. Findings reveal that 
users borrow significantly higher amounts and exhibit 
increased 
borrowing 
frequency 
post-adoption, 
highlighting the transformative impact of digital 
lending platforms on consumer borrowing behavior. 
These insights underscore the importance of factors 
beyond demographics, such as convenience and 
accessibility, in influencing digital loan adoption and 
usage.},
        keywords = {Digital Lending, Behavioral Economics,  Borrowing Patterns, Digital Loan Apps, Consumer  Behavior, Financial Technology.},
        month = {May},
        }