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VOL. 13, ISSUE 4 (2026)
Gen Z’s digital spending behaviour: Examining the influence of cashless payments on impulse consumption
Authors
Dr. S Subaithani, Dr. S Sukumari
Abstract

The increasing adoption of cashless payments has significantly influenced the spending behaviour of Generation Z. The present study examines the digital spending behaviour of Gen Z, assesses the influence of cashless payment factors on impulse consumption, and examines whether impulse consumption differs across different levels of cashless payment factors. The study is based on primary data collected from 335 Gen Z respondents. Percentage analysis, mean, standard deviation, multiple linear regression and one-way ANOVA were used for data analysis. The findings reveal a moderately high level of digital spending behaviour, with an overall mean score of 3.69. Regression results indicate that all five cashless payment factors significantly influence impulse consumption, with cashback and promotional offers emerging as the strongest predictor. The ANOVA results further show significant differences in impulse consumption across different levels of all five cashless payment factors. The study highlights the important role of cashless payment features in shaping the impulse consumption behaviour of Gen Z.

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Pages:47-50
How to cite this article:
Dr. S Subaithani, Dr. S Sukumari "Gen Z’s digital spending behaviour: Examining the influence of cashless payments on impulse consumption". International Journal of Multidisciplinary Research and Development, Vol 13, Issue 4, 2026, Pages 47-50

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Gen Z’s digital spending behaviour: Examining the influence of cashless payments on impulse consumption | International Journal of Multidisciplinary Research and Development