Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Faculty Publications Book Chapter Faculty Publications- Book Chapter Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Creator An entity primarily responsible for making the resource Shergill, Yuvraj Singh; Singh, Raj; Prajwal, H.J.; Almeida, Shaeril Title A name given to the resource Cashless Confidence: Exploring the Influence of Digital Payments on Gen Z Consumption Patterns Date A point or period of time associated with an event in the lifecycle of the resource 01-01-2025 Source A related resource from which the described resource is derived Integrating Digital Public Infrastructure in Emerging Economies;pp.147-174 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.4018/979-8-3373-6380-6.ch006" target="_blank" rel="noreferrer noopener">https://doi.org/10.4018/979-8-3373-6380-6.ch006</a> <br /><br /><a href="https://www.scopus.com/pages/publications/105028054895?origin=resultslist" target="_blank" rel="noreferrer noopener">https://www.scopus.com/pages/publications/105028054895?origin=resultslist</a> Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Shergill Y.S., Christ University, Bangalore, India; Singh R., Christ University, Bangalore, India; Prajwal H.J., Christ University, Bangalore, India; Almeida S., Christ University, Bangalore, India Description An account of the resource The rapid growth of digital payment systems has significantly changed financial behaviors, especially among Generation Z. This group consists of digital natives whose buying habits are closely linked to technology. Using qualitative thematic analysis, which identifies common themes in qualitative data, this research reviews various studies and reports on financial technology adoption. It looks at how mobile wallets, UPI platforms, QR-based payments, and new fintech solutions affect Gen Z's spending habits, views on money, and financial choices in India. Drawing from existing literature, empirical research, and theories like behavioral economics and the Technology Acceptance Model (TAM), the paper brings together evidence on the psychological, social, and cultural factors behind digital payment adoption. The findings show that ease of use, peer influence, gamification features, and social media-driven consumption greatly motivate Gen Z to use cashless transactions. However, these same factors may lead to risks such as impulsive buying, accumulating debt through Buy Now Pay Later (BNPL) services, and privacy issues. Gender dynamics, urban-rural divides, and differences in financial literacy further complicate these trends. Meanwhile, digital platforms are promising for improving financial management through budgeting tools and investment apps. The paper concludes that digital payments are not just replacing cash; they are transforming financial identities, consumption culture, and intergenerational attitudes toward money. Insights from this study have important implications for policymakers, financial institutions, and educators looking to promote responsible, inclusive, and sustainable digital payment systems for the future economy. 2026 by IGI Global Scientific Publishing. All rights reserved. Publisher An entity responsible for making the resource available IGI Global Relation A related resource ISBN: 979-833736382-0; 979-833736380-6; Language A language of the resource English Type The nature or genre of the resource Book chapter Rights Information about rights held in and over the resource Restricted Access; Hardcopy may be available in the library Format The file format, physical medium, or dimensions of the resource online