@article{CRSIJ25000032,
                  author = {Sayali Panchal},
                  title = {A study on the impact of mobile payment with special reference to youth},
                  journal = {Cosmo Research and Science International Journal},
                  year = {2025},
                  volume = {1},
                  number = {3},
                  pages = {236-253},
                  issn = {3108-1584},
                  url = {https://cosmorsij.com/published/CRSIJ25000032.pdf},
                  abstract = {The rapid advancement of digital technology has transformed the way financial transactions are conducted, with mobile payment systems emerging as a convenient and accessible alternative to cash-based transactions. This study, titled “A Study on the Impact of Mobile Payments with Special Reference to Youth,” aims to explore the adoption patterns, usage behavior, satisfaction levels, and perceptions of mobile payment apps among young users. A structured questionnaire was administered to 150 respondents aged between 18 and 36 years across different regions, occupations, and educational backgrounds. The study employed statistical tools, including frequency analysis, cross-tabulation, and chi-square tests, to examine relationships between age and various aspects of mobile payment usage, such as frequency of transactions, preferred apps, security satisfaction, peer-to-peer transfers, and overall user experience. The findings reveal that while younger users (18–23 years) are highly active in using mobile payment apps, the choice of apps, satisfaction with security features, and perception of convenience vary across age groups. The study also highlights the influence of social and environmental factors, such as peer usage and availability of payment options in local shops, on user adoption. Theoretical implications emphasize the importance of understanding user behavior within the context of digital financial inclusion, while practical implications suggest strategies for app developers, marketers, and policymakers to enhance adoption and user trust. This research contributes to the growing body of knowledge on digital payments, offering insights for future studies and potential interventions to foster a cashless economy.},
                  keywords = {Mobile Payments, Youth, Digital Transactions, User Satisfaction, Financial Inclusion },
                  month = {November
}
        }