September 10, 2025Deleted Journal

Digital vs. Physical Money: Perception and Spending Behavior in a Cashless Economy

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Discussion

Analysis reveals how perceived value influences spending patterns in digital payments, indicating financial education is crucial.

Higher perceived value of digital money leads to lower spending among users, impacting their financial habits.
Increased expenditure associated with digital payment users reflects changing spending patterns, highlighting financial challenges.
The study emphasizes the need for financial education to encourage responsible use of digital payment systems and apps.
Utilizing technologies to track spending can optimize the benefits of digital payments, aiding financial inclusion efforts.

Babu et al. (2025) studied this question.

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