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@article{190139,
        author = {Dr. Narasappa P R},
        title = {An Empirical Study on Digital Payment Usage and Consumer Behaviour among College Students in Chintamani City},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {2168-2174},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190139},
        abstract = {This study investigates digital payment usage and consumer behaviour among college students in Chintamani City, Chikkaballapura district, Karnataka. Using a sample of 150 students and survey methodology, the study explores usage patterns, satisfaction, trust, security concerns, and future adoption intentions. Findings indicate high adoption of UPI, frequent usage correlates positively with satisfaction and ease of use influences continued adoption. Chi-Square test confirm significant relationships between frequency and satisfaction, security and trust and ease of use and future adoption, while gender does not significantly affect usage. The study offers insights for Fintech companies, banks and educational institutions to enhance digital payment experiences for students.},
        keywords = {Digital Payments, Consumer Behaviour, College Students, UPI, Chintamani, Chi-Square Analysis},
        month = {January},
        }