Role Of Digital Payment Systems In Shaping Purchase Intentions On E-Commerce Platforms: A Study In Coimbatore District

Abstract

The rapid adoption of digital payment systems has transformed consumer behavior and the overall shopping experience on e-commerce platforms. With the increasing availability of e-wallets, Unified Payments Interface (UPI), credit/debit cards, and internet banking, consumers are empowered to make quick and secure online purchases. This shift is especially evident in emerging markets like India, where government initiatives, technological advancements, and pandemic-induced changes have driven consumers towards cashless transactions. This study examines how digital payment systems influence purchase intentions among e-commerce shoppers in Coimbatore District. Primary data was collected from 150 respondents using a structured questionnaire, and chi-square tests were used to analyze relationships between demographic factors and purchase intentions. Findings indicate that digital payment systems significantly influence consumer purchasing behavior, with younger and educated consumers showing higher adoption rates. The study concludes that digital payment convenience, security, and cashback offers strongly shape purchase intentions on e-commerce platforms.