Journal IJCRT UGC-CARE, UGCCARE( ISSN: 2320-2882 ) | UGC Approved Journal | UGC Journal | UGC CARE Journal | UGC-CARE list, New UGC-CARE Reference List, UGC CARE Journals, International Peer Reviewed Journal and Refereed Journal, ugc approved journal, UGC CARE, UGC CARE list, UGC CARE list of Journal, UGCCARE, care journal list, UGC-CARE list, New UGC-CARE Reference List, New ugc care journal list, Research Journal, Research Journal Publication, Research Paper, Low cost research journal, Free of cost paper publication in Research Journal, High impact factor journal, Journal, Research paper journal, UGC CARE journal, UGC CARE Journals, ugc care list of journal, ugc approved list, ugc approved list of journal, Follow ugc approved journal, UGC CARE Journal, ugc approved list of journal, ugc care journal, UGC CARE list, UGC-CARE, care journal, UGC-CARE list, Journal publication, ISSN approved, Research journal, research paper, research paper publication, research journal publication, high impact factor, free publication, index journal, publish paper, publish Research paper, low cost publication, ugc approved journal, UGC CARE, ugc approved list of journal, ugc care journal, UGC CARE list, UGCCARE, care journal, UGC-CARE list, New UGC-CARE Reference List, UGC CARE Journals, ugc care list of journal, ugc care list 2020, ugc care approved journal, ugc care list 2020, new ugc approved journal in 2020, ugc care list 2021, ugc approved journal in 2021, Scopus, web of Science.
How start New Journal & software Book & Thesis Publications
Submit Your Paper
Login to Author Home
Communication Guidelines

IJCRT WhatsApp Contact

  IJCRT Search Xplore - Search all paper by Paper Name , Author Name, and Title

Volume 14 | Issue 5 |

Volume 14 | Issue 5 | Month  
Downlaod After Publication
1) Table of content index in PDF
2) Table of content index in HTML 2)Table of content index in HTML
3) Front Page                     3) Front Page
4) Back Page                     4) Back Page
5) Editor Board Member 5)Editor Board Member
6) OLD Style Issue 6)OLD Style Issue
Chania Chania
IJCRT Journal front page IJCRT Journal Back Page

  Paper Title: How Social Media Changed Fashion

  Author Name(s): Anushka Soni, Nirantara Hada

  Published Paper ID: - IJCRT2605200

  Register Paper ID - 307685

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605200 and DOI :

  Author Country : Indian Author, India, 466125 , ashta, 466125 , | Research Area: Other area not in list

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605200
Published Paper PDF: download.php?file=IJCRT2605200
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605200.pdf

  Your Paper Publication Details:

  Title: HOW SOCIAL MEDIA CHANGED FASHION

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Other area not in list

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b625-b626

 Year: May 2026

 Downloads: 98

  E-ISSN Number: 2320-2882

 Abstract

Fashion has always been changing but after social media it has changed a lot faster than before. Platforms like Instagram and TikTok made fashion more visible and easy to follow. Earlier only designers and big brands used to decide trends but now anyone can start a trend. This paper is about how social media changed fashion, how people shop and how brands work now. It also talks about both good and bad effects like creativity and also fast fashion problem.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Social media, fashion trends, influencers, fast fashion, consumer behavior, digital platforms, personal style, online marketing, sustainability, fashion industry

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: HISTORY TRENDS OF DAGBON TRADITIONAL DRESS CODE

  Author Name(s): Justine Abaguri Adjuri, Alhassan Fatawu, James Tetteh Ademtsu

  Published Paper ID: - IJCRT2605199

  Register Paper ID - 307838

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605199 and DOI :

  Author Country : Indian Author, India, - , -, - , | Research Area: Arts All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605199
Published Paper PDF: download.php?file=IJCRT2605199
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605199.pdf

  Your Paper Publication Details:

  Title: HISTORY TRENDS OF DAGBON TRADITIONAL DRESS CODE

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Arts All

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b614-b624

 Year: May 2026

 Downloads: 221

  E-ISSN Number: 2320-2882

 Abstract

This study examines transformational trends in Dagbon traditional dress codes from 1800 to 2024, focusing on historical progression, material change, and symbolic continuity. It investigates how Dagbon clothing practices evolved across pre-colonial, colonial, post-colonial, and contemporary periods while retaining core cultural meanings. A qualitative descriptive design was employed, with data collected through semi-structured interviews with 33 participants, comprising 12 elders, 8 artisans and traditional tailors, and 15 young adults in contemporary fashion, complemented by field observation, photographic documentation, and archival sources. Thematic content analysis identified patterns across historical phases. Findings reveal that early nineteenth-century attire consisted of minimal coverings from animal hides and plant fibers. From the late nineteenth century, structured garments including kpalayincho, piito, amoosi, smocks, and handwoven cotton wrappers emerged, reflecting technological advancement and social differentiation. The twentieth century reinforced ceremonial symbolism and hierarchical expression through fugu and inner smocks. In the twenty-first century, traditional garments increasingly merge with modern tailoring and global fashion influences. The study concludes that Dagbon dress demonstrates adaptive continuity, functioning as both material cultures shaped by economic change and a symbolic system sustaining identity and social meaning.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Dagbon, traditional dress, clothing transformation, material culture, symbolic meaning

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: IMPACT OF SERVICE QUALITY ON CUSTOMER SATISFACTION AND OPERATIONAL EFFICIENCY

  Author Name(s): SILKEE SAKSHI

  Published Paper ID: - IJCRT2605198

  Register Paper ID - 307765

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605198 and DOI :

  Author Country : Indian Author, India, 201310 , GREATER NOIDA, 201310 , | Research Area: Commerce and Management, MBA All Branch

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605198
Published Paper PDF: download.php?file=IJCRT2605198
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605198.pdf

  Your Paper Publication Details:

  Title: IMPACT OF SERVICE QUALITY ON CUSTOMER SATISFACTION AND OPERATIONAL EFFICIENCY

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Commerce and Management, MBA All Branch

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b598-b613

 Year: May 2026

 Downloads: 152

  E-ISSN Number: 2320-2882

 Abstract

ABSTRACT In today's rapidly evolving business environment, service quality has emerged as a critical factor influencing customer satisfaction and operational efficiency. With increasing competition and rising customer expectations, organizations are required to deliver fast, reliable, and high-quality services. Recent industry reports indicate that the global average customer satisfaction score is approximately 78%, highlighting the growing importance of service quality in shaping customer perceptions. This study examines the impact of service quality on customer satisfaction and operational efficiency in the service sector. In today's highly competitive environment, organizations are required to deliver high-quality services to meet increasing customer expectations and maintain a competitive advantage. The main objective of this research is to analyze how different dimensions of service quality influence customer satisfaction and how these factors contribute to improving operational efficiency. The study is based on primary data collected from 40 respondents using a structured questionnaire. A quantitative approach has been adopted, and the data has been analyzed using simple statistical tools such as percentage analysis and graphical representation. The findings of the study indicate that there is a strong positive relationship between service quality and customer satisfaction. It has been observed that factors such as staff behavior, responsiveness, reliability, and use of technology significantly influence customer perception. Furthermore, the results show that improved service quality leads to enhanced operational efficiency by reducing waiting time and improving service delivery processes. However, certain areas such as delay in services and communication gaps still require improvement. The study concludes that organizations should focus on continuous improvement in service quality and adopt modern technologies to enhance both customer satisfaction and operational efficiency. This research provides useful insights for managers and organizations aiming to improve their service performance and achieve long-term success. In addition to the core findings, the study also emphasizes the growing importance of customer-centric strategies in modern organizations. It highlights that businesses which actively monitor customer feedback and adapt their service processes accordingly are more likely to achieve higher satisfaction levels. The role of continuous improvement and innovation in service delivery has also been identified as a critical factor in sustaining operational efficiency. Moreover, the study underlines the need for organizations to invest in employee training and digital transformation to enhance service performance. These insights make the research relevant for both academic purposes and practical implementation in real-world business environments. Furthermore, the study brings attention to the dynamic nature of customer expectations, which continue to evolve with advancements in technology and increased market competition. It suggests that organizations need to regularly evaluate their service quality standards and align them with changing customer needs. The findings also indicate that even minor improvements in service delivery, such as reducing response time and improving communication, can significantly enhance customer satisfaction levels. In this context, the study reinforces the idea that operational efficiency is not only about cost reduction but also about delivering consistent and high-quality customer experiences. These observations contribute to a better understanding of how service-oriented organizations can achieve sustainable growth. Furthermore, current data suggests that 86% of customers are willing to pay more for better service experiences, emphasizing the direct link between service quality and business performance. The study also highlights that improved service quality leads to enhanced operational efficiency by reducing delays and improving service delivery processes. Additionally, research shows that 88% of customers are more likely to repurchase after a positive service experience, while a significant number may switch brands after repeated poor experiences. Overall, the study concludes that maintaining high service quality is essential for improving customer satisfaction and achieving operational excellence. Organizations must adopt customer-centric strategies, invest in technology, and continuously improve their service processes to remain competitive and ensure long-term growth.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Keywords: Service Quality, Customer Satisfaction, Operational Efficiency, Service Sector, Customer Experience

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Representation of Friedrich Nietzsche’s Übermensch in Matt Reeves’ The Batman

  Author Name(s): Sutirtha Mondal

  Published Paper ID: - IJCRT2605197

  Register Paper ID - 307789

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605197 and DOI :

  Author Country : Indian Author, India, 713146 , Memari, 713146 , | Research Area: Medical Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605197
Published Paper PDF: download.php?file=IJCRT2605197
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605197.pdf

  Your Paper Publication Details:

  Title: REPRESENTATION OF FRIEDRICH NIETZSCHE’S ÜBERMENSCH IN MATT REEVES’ THE BATMAN

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Medical Science All

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b589-b597

 Year: May 2026

 Downloads: 113

  E-ISSN Number: 2320-2882

 Abstract

Representation of Friedrich Nietzsche’s Übermensch in Matt Reeves’ The Batman


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Representation of Friedrich Nietzsche’s Übermensch in Matt Reeves’ The Batman

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Design and Analysis of a Self-Adaptive Tri-Band Thermal Reconfigurable Microstrip Patch Antenna for Defence Applications

  Author Name(s): VIKRAM S, SRIJAN T, Mrs. N. SRIVIDHYA, SRIRAM R, SANTHOSH KUMAR R

  Published Paper ID: - IJCRT2605196

  Register Paper ID - 307790

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605196 and DOI :

  Author Country : Indian Author, India, 620006 , Tiruchirappalli, 620006 , | Research Area: Science and Technology

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605196
Published Paper PDF: download.php?file=IJCRT2605196
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605196.pdf

  Your Paper Publication Details:

  Title: DESIGN AND ANALYSIS OF A SELF-ADAPTIVE TRI-BAND THERMAL RECONFIGURABLE MICROSTRIP PATCH ANTENNA FOR DEFENCE APPLICATIONS

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science and Technology

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b582-b588

 Year: May 2026

 Downloads: 114

  E-ISSN Number: 2320-2882

 Abstract

A Self-Adaptive Tri-Band Thermal Reconfigurable Microstrip Patch Antenna Is Proposed For Wireless And Defence Communication Applications. The Antenna Is Designed On An FR-4 Substrate With A Circular Slot Structure To Achieve Multiband Operation Within The 1-5 Ghz Frequency Range. The Proposed Antenna Resonates At 1.98 Ghz, 4.3 Ghz, And 4.8 Ghz With Satisfactory Return Loss And Acceptable VSWR Characteristics. The Thermal Reconfiguration Technique Improves Impedance Matching And Adaptive Performance Under Varying Conditions. Simulation Results Obtained Using CST Studio Suite Confirm Stable Radiation Characteristics, Good Gain, And Efficient Multiband Performance, Making The Antenna Suitable For Modern Adaptive Wireless Communication Systems.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Microstrip Patch Antenna, Thermal Reconfiguration, Tri-Band Antenna, Circular Slot Antenna, Wireless Communication, Defence Applications, CST Studio Suite, Adaptive Antenna

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: "PREVALENCE OF ANXIETY AND DEPRESSION AMONG ASTHMA PATIENTS IN LATUR CITY."

  Author Name(s): MISS. MAYURI DNYANESWAR NAGRALE, DR. PAWAN KUMAR (PT)

  Published Paper ID: - IJCRT2605195

  Register Paper ID - 307724

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605195 and DOI :

  Author Country : Indian Author, India, - , -, - , | Research Area: Health Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605195
Published Paper PDF: download.php?file=IJCRT2605195
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605195.pdf

  Your Paper Publication Details:

  Title: "PREVALENCE OF ANXIETY AND DEPRESSION AMONG ASTHMA PATIENTS IN LATUR CITY."

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Health Science All

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b577-b581

 Year: May 2026

 Downloads: 116

  E-ISSN Number: 2320-2882

 Abstract

"PREVALENCE OF ANXIETY AND DEPRESSION AMONG ASTHMA PATIENTS IN LATUR CITY."


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

"PREVALENCE OF ANXIETY AND DEPRESSION AMONG ASTHMA PATIENTS IN LATUR CITY."

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Green Finance: Opportunities And Challenges In India

  Author Name(s): Dr. Rajnish Kumar

  Published Paper ID: - IJCRT2605194

  Register Paper ID - 307618

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605194 and DOI :

  Author Country : Indian Author, India, - , -, - , | Research Area: Commerce All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605194
Published Paper PDF: download.php?file=IJCRT2605194
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605194.pdf

  Your Paper Publication Details:

  Title: GREEN FINANCE: OPPORTUNITIES AND CHALLENGES IN INDIA

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Commerce All

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b569-b576

 Year: May 2026

 Downloads: 116

  E-ISSN Number: 2320-2882

 Abstract

We know that to achieve goals we should require sufficient fund i.e., finance. The Prime Minister of India in Cop-26 climate summit announced that India will attain net zero emissions by 2070. In order to meet these climate targets, countries like India will need approximately USD 1trillion in additional financing over the next ten years. Here, it is clear that India has need to extra finance to achieve above desired goals. Such needed extra finance known as GREEN FINANCE. Green Finance is to increase the level of financial flow from banking (micro credit, insurance and investments), from the public private and NPOs sector to sustainable development priorities.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Green Finance , Climate change, Sustainable Development, Green Investment, Green Bonds, Green Initiatives.

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: WATERSHED MANAGEMENT OF STUDY AREA IN SANGLI DISTRICT: A GIS-BASED HYDROLOGICAL ASSESSMENT

  Author Name(s): Vikas S. Kumbhar, Dr. V. A. Swami

  Published Paper ID: - IJCRT2605193

  Register Paper ID - 306447

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605193 and DOI :

  Author Country : Indian Author, India, 416001 , Kolhapur, 416001 , | Research Area: Science and Technology

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605193
Published Paper PDF: download.php?file=IJCRT2605193
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605193.pdf

  Your Paper Publication Details:

  Title: WATERSHED MANAGEMENT OF STUDY AREA IN SANGLI DISTRICT: A GIS-BASED HYDROLOGICAL ASSESSMENT

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science and Technology

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b561-b568

 Year: May 2026

 Downloads: 141

  E-ISSN Number: 2320-2882

 Abstract


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Remote Sensing, GIS, Land Use and Land Cover, Sub-Watershed, Agrani River Basin

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Real Time Cryptocurrency Arbitrage Detection Using Multi Exchange Price Analysis

  Author Name(s): K.Abirami, Baby Shalini P, Kavitha D

  Published Paper ID: - IJCRT2605192

  Register Paper ID - 307941

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605192 and DOI : https://doi.org/10.56975/ijcrt.v14i5.307941

  Author Country : Indian Author, India, 600117 , chennai, 600117 , | Research Area: Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605192
Published Paper PDF: download.php?file=IJCRT2605192
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605192.pdf

  Your Paper Publication Details:

  Title: REAL TIME CRYPTOCURRENCY ARBITRAGE DETECTION USING MULTI EXCHANGE PRICE ANALYSIS

 DOI (Digital Object Identifier) : https://doi.org/10.56975/ijcrt.v14i5.307941

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science All

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b558-b560

 Year: May 2026

 Downloads: 159

  E-ISSN Number: 2320-2882

 Abstract

Cryptocurrency markets are characterized by significant fragmentation, leading to frequent price discrepancies across exchanges. These inefficiencies create opportunities for arbitrage trading, where traders exploit price differences to generate profits. However, identifying and executing profitable arbitrage strategies in cryptocurrency markets is challenging due to factors such as transaction fees, network congestion, and market volatility. This paper explores the use of multi-source data, including real-time exchange prices, blockchain transaction met-rics, and social media sentiment analysis, to identify and evaluate cryptocurrency arbitrage opportunities. By integrating these diverse data streams into a unified framework, we develop a robust methodology that leverages statistical models, machine learning algorithms, and graph theory to detect and execute arbitrage trades efficiently. Our approach incorporates probabilistic risk management techniques to account for uncertainties such as slippage and la-tency, ensuring the sustainability of arbitrage strategies. Backtesting results demonstrate the effectiveness of the proposed framework, achieving a profitability rate of 12.5% with a Sharpe ratio of 1.8 and a maximum drawdown of 5.2%. The findings highlight the importance of multi-source data integration in overcoming the challenges of cryptocurrency arbitrage and provide valuable insights for traders, researchers , and financial practitioners. This research contributes to the growing body of knowledge on cryptocurrency trading strategies and underscores the potential of advanced data analytics in unlocking new opportunities in decentralized financial ecosystems .


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

ryptocurrency arbitrage Multi-exchange price analysis Market fragmentation Real-time data analytics Multi-source data integration Blockchain metrics Social media sentiment analysis

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Impact of Digital Payments (UPI) on Consumer Financial Behavior : A Comparative Study Across Different Age Groups

  Author Name(s): Subhankar Ajit Pawar, Suresh Bhaskar Patil, Dr. Anshuman Magar

  Published Paper ID: - IJCRT2605191

  Register Paper ID - 307647

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2605191 and DOI :

  Author Country : Indian Author, India, 415110 , Satara , 415110 , | Research Area: Management All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2605191
Published Paper PDF: download.php?file=IJCRT2605191
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2605191.pdf

  Your Paper Publication Details:

  Title: IMPACT OF DIGITAL PAYMENTS (UPI) ON CONSUMER FINANCIAL BEHAVIOR : A COMPARATIVE STUDY ACROSS DIFFERENT AGE GROUPS

 DOI (Digital Object Identifier) :

 Pubished in Volume: 14  | Issue: 5  | Year: May 2026

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Management All

 Author type: Indian Author

 Pubished in Volume: 14

 Issue: 5

 Pages: b550-b557

 Year: May 2026

 Downloads: 132

  E-ISSN Number: 2320-2882

 Abstract

In recent years, digital payment systems have changed the way people manage and use money, especially in developing countries like India. One of the most important digital payment innovations in India is the Unified Payments Interface (UPI). UPI allows people to transfer money instantly between bank accounts using smartphones, making financial transactions fast, secure, and easy. Because of this, UPI has become a very popular mode of payment for daily activities such as shopping, bill payments, and money transfers. The main aim of this research is to study how the use of UPI affects consumer financial behaviour. This study focuses on changes in spending habits, saving behaviour, and dependency on cash. It also compares how people from different age groups use UPI and how their financial behaviour differs after adopting digital payments. The study is based on a descriptive and analytical research design. Primary data was collected through a structured questionnaire shared using Google Forms. A total of 100 respondents from different age groups participated in the survey. The collected data was analysed using basic statistical tools such as percentage analysis and comparative analysis. The results of the study show that UPI usage has significantly increased the frequency of transactions and has reduced the use of cash. Many users reported increased spending, including impulse purchases, due to the ease of digital payments. The study also found that younger age groups are more comfortable with UPI and show stronger behavioural changes compared to older individuals. The research concludes that while UPI provides great convenience and improves financial accessibility, it may negatively affect spending discipline if not used carefully. The findings of this study can help policymakers, banks, and financial institutions design better awareness programs to promote responsible use of digital payment systems.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Unified Payments Interface (UPI), Digital Payments, Consumer Financial Behaviour, Spending Behaviour, Impulse Buying, Age Cohorts, Financial Discipline,

  License

Creative Commons Attribution 4.0 and The Open Definition



Call For Paper September 2026
Indexing Partner
ISSN and 7.97 Impact Factor Details


ISSN
ISSN
ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
ISSN
ISSN and 7.97 Impact Factor Details


ISSN
ISSN
ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
ISSN
DOI Details

Providing A digital object identifier by DOI.org How to get DOI?
For Reviewer /Referral (RMS) Earn 500 per paper
Our Social Link
Open Access
This material is Open Knowledge
This material is Open Data
This material is Open Content
Indexing Partner

Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI)

indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer