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With the quick emergence of cashless economies, digital payment systems have greatly impacted consumer shopping behaviour, especially among young people who are tech-savvy. This study examines how the utilization of digital payments affects college students’ impulsive buying behaviour using Technology Acceptance Model (TAM). Keystone concepts Perceived Ease of Use (PEU), Perceived Usefulness (PU), Actual Use (AU), and Impulsive Buying (IB) were examined using data from 216 students and evaluated in accordance with Partial Least Squares Structural Equation Modelling (PLS-SEM). Findings indicate how PU gets remarkable effects on both AU and IB, whereas PEU has strong effect on AU but no direct effect on IB. AU was a robust predictor of impulsive shopping, underscored by the behavioural effects of increased digital payment usage. The model demonstrated to have high validity and fit (SRMR = 0.035, NFI = 0.928). outcomes bring out the bi-directional nature of digital payments to increase transactional ease and bring about driven purchases in scholar populations.

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From Ease to Excess: Examining the Role of Digital Payment Use in Student Impulse Buying

  • 会议论文

  • 发表日期：

    2026年

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  • Roshna Rahim,
  • M. C. Chandana,
  • Aarathy K. Sudhakaran,
  • A. Abymon

摘要

With the quick emergence of cashless economies, digital payment systems have greatly impacted consumer shopping behaviour, especially among young people who are tech-savvy. This study examines how the utilization of digital payments affects college students’ impulsive buying behaviour using Technology Acceptance Model (TAM). Keystone concepts Perceived Ease of Use (PEU), Perceived Usefulness (PU), Actual Use (AU), and Impulsive Buying (IB) were examined using data from 216 students and evaluated in accordance with Partial Least Squares Structural Equation Modelling (PLS-SEM). Findings indicate how PU gets remarkable effects on both AU and IB, whereas PEU has strong effect on AU but no direct effect on IB. AU was a robust predictor of impulsive shopping, underscored by the behavioural effects of increased digital payment usage. The model demonstrated to have high validity and fit (SRMR = 0.035, NFI = 0.928). outcomes bring out the bi-directional nature of digital payments to increase transactional ease and bring about driven purchases in scholar populations.