This study examines the influence of digital payment patterns on the spending habits of students. With the rapid growth of cashless transactions such as UPI, mobile wallets, and debit/credit cards, students increasingly rely on digital payment systems for daily expenses. While these methods provide convenience and speed, they may also influence spending behaviour, leading to impulsive buying and reduced financial control.

Furthermore, the ease of tracking transactions digitally can both enhance financial awareness and, paradoxically, encourage frequent spending. This study also aims to explore whether digital payment usage promotes better budgeting practices or contributes to financial indiscipline among students.

A descriptive research design was adopted, and data were collected from 101 respondents using a structured questionnaire. Statistical tools such as descriptive analysis and one-way ANOVA were used to analyze the data. The findings indicate that most students actively use digital payment methods and tend to spend more frequently due to ease of transactions.