PhD - Electrical Engineering (Satellite Remote Sensing) | University of Central Florida - USA
PhD - Pedagogy & Psychology | Ludwig Maximilians University - Germany
Digital payments in India have increased considerably amongst the young adults aged from 18 to 25, yet they lack basic financial literacy. Their knowledge and utilisation of credit cards remains inconsistent and is highly shaped by their behavioural biases. National survey data indicate that about 70% of the young credit card holders lose financial value due to missed rewards and payments, hidden charges and impulsive mistakes (ANI Press Release, 2025).. Significantly few prior studies incorporate these domains together using real-world Indian data, with previous studies often having isolated financial literacy or psychological traits or transactional behaviour. This research addresses this financial gap by investigating the payment preferences of young adults when it comes to UPI and how they react to psychological behavioural constructs such as cognitive overload, loss aversion and financial knowledge. We have combined surveys, semi-structured interviews and UPI/bank statement analysis to map how spending patterns and financial literacy shape any credit decision.
Our final solution is a personalised transaction analysis and credit card recommendation system that’s built around the behaviour patterns we found in our research. The dashboard evolved over time as not just a technical project, but enhanced as we collected data and started to notice trends about the real-time spending habits.
