Impact of Social Media on the Financial Behaviour of Generation Z

Author(s)	Ms. Shraddha Chauhan
Country	India
Abstract	This study assesses an integrated cross-sectional model that looks at the two ways that social media potentially affects the financial behaviour and decision-making of Generation Z in India, which are the investment impact and the spending impact. Data were collected from Gen Z respondents throughout India using a quantitative survey design. Analysis of the data was made using descriptive statistics in Microsoft Excel to map behavioural patterns. According to the empirical investigation, mean scores and correlation coefficients between variables show a significantly weak association. Though results do show some impact of social media, the findings point to an appropriate level of digital resilience and scepticism among Indian Gen Z. The demographic actively fights both algorithm-driven impulsive consumption and unverified internet advice, maintaining a balanced, self-regulated financial position. This study shows that Indian youth exhibit a smart, critical restraint against digital influences, offering educators and policymakers a realistic, non-alarming viewpoint.
Keywords	Generation Z, Personal Finance, Social Media, Impulse Spending, Investment
Published In	Volume 8, Issue 4, July-August 2026
Published On	2026-07-09
DOI	https://doi.org/10.36948/ijfmr.2026.v08i04.83299

About IJFMR Fees & Payment Current Issue Publication Archive	Submit Research Paper Track Submission Status Publication Guidelines Publication Ethics Peer Review & Plagiarism	Join as a Reviewer Editors & Reviewers Reviewer Referral Program Get Reviewer Membership Certi.	Website/Journal Policies Usage Policy Content Policies Privacy Policy

Contact Us		+91-9687-828-838	editor@ijfmr.com

International Journal For Multidisciplinary Research