Impact of Mobile Payment Systems on Consumer Spending Behaviour in Rural Areas of Chhattisgarh

Author(s)	Mr. Rameshwar Rathore, Dr. Nutan Kumari, Dr. Preeti Peter Ekka, Dr. Shobhnath Rajwade
Country	India
Abstract	The financial behaviour of consumers across India, including rural India, has been transformed by rapid growth of digital payment system. The present study explore how mobile payment system on spending behaviour of consumer in rural areas of Chhattisgarh. Primary data for the study were collected from 100 respondents using a structured questionnaire and convenience sampling technique. Descriptive statistics, reliability analysis, Spearman's rank correlation, and the Chi-square test were employed using SPSS software. The findings reveal that mobile payment usage significantly influences consumer spending behaviour, increases small and unnecessary expenses, and reduces savings among rural consumers. The study also shows a strong preference for mobile payments over cash transactions, with PhonePe emerging as the most widely used application. The growing role of digital payments in promoting financial inclusion while simultaneously reshaping consumption pattern in rural India is highlighted by the results.
Keywords	Mobile Payments, Consumer Spending Behaviour, Rural Consumers, Digital Finance, Chhattisgarh, Financial Inclusion.
Field	Business Administration
Published In	Volume 8, Issue 4, July-August 2026
Published On	2026-07-04

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