Abstract:

The digital payment landscape, driven by the Unified Payments Interface (UPI), is significantly reshaping how consumers manage their daily spending and finances. The Unified Payment Interface has emerged as the new necessity for money transactions, leaving traditional cash transactions behind.  The existing research on digital payments and UPI has covered the convenience, adoption and the ease it provides with financial transactions with its seamless transaction features. These studies are mostly focused on the macro level of adoption of UPI, which leads to a significant Research Gap at the micro level and the consumer behaviour. This research is focused on how these factors affect the spending behaviour of consumers by “Reducing the Pain” while making transactions through UPI apps. This paper aims to present a Systematic Literature Review on “The impact of UPI on the daily financial Behaviour of consumers.”

The Literature for the analysis was retrieved from two databases, Scopus and Web of Science, and screened using keywords such as Digital Payments, Unified Payment Interface (UPI), Mobile payment, and Spending Behaviour. This research is based on the Biblometric analysis using R-Studio and the Biblioshiny web interface, a 651 publications database from Scopus, and a 486 publications database from Web of Science, published during 2015 to 2025, without filtering the other parameters. The analysis generated a conceptual structure, the author’s performance across the globe and thematic mapping. The core 29 Papers for the thematic review of the study are being extracted using the PRISMA framework.

Keywords:

Bibliometric Analysis, Digital Payment, Unified Payment Interface (UPI), Spending, Savings, Consumer Behaviour, Mobile Payment, Overspending.

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