Instant Gratification as a Mediator between Digital Payment Use and Overspending among College Students
Rudraksh Sharma & Karthik P · Asian Journal of Economics, Business and Accounting · 2026
In India, the rapid expansion of Unified Payments Interface (UPI), mobile wallets, and card-based transactions has enabled seamless and instantaneous financial exchanges. However, there is a lack of empirical evidence examining whether digital payment usage directly leads to over...
Open access
Research Article
10.9734/ajeba/2026/v26i62292