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VOL. 12, ISSUE 3 (2026)
A study on consumer perceptions of online shopping through digital financing
Authors
Dr. Pinki Rani Dei
Abstract
This article examines the connection between
digital finance and online shopping, highlighting the benefits and customer
satisfaction related to online purchases. It is grounded in both primary and
secondary data. Primary data were collected through a structured questionnaire
created in Google Forms and distributed via WhatsApp groups using a random sampling
method. A total of 114 respondents answered the questions, and the analysis is
based on their responses. Secondary data were sourced from published reports,
journals, conference proceedings, and books to better understand concepts,
previous research on online shopping and digital finance, and to identify
research gaps. The literature review revealed that most researchers focus on
either digital finance or online shopping separately, with few analysing both
together. This study aims to develop a conceptual framework encompassing online
shopping, digital finance, and public perceptions. The results indicate that
digital finance enhances access to financial services anytime and anywhere via
mobile phones. Many respondents consider the internet their main resource for
learning about online purchasing, and low-cost data plans facilitate access.
Overall, online shopping is made easier by numerous benefits, especially
digital payments, which streamline the payment process with just a click. This
is a highly relevant, multifaceted topic within the domains of fintech,
consumer behaviour, and e-commerce. It explores how modern credit methods—such
as Buy Now, Pay Later (BNPL), instant EMI options, and digital wallets—shape
how people feel about and make online purchases.
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Pages:220-224
How to cite this article:
Dr. Pinki Rani Dei "A study on consumer perceptions of online shopping through digital financing". International Journal of Commerce and Management Research, Vol 12, Issue 3, 2026, Pages 220-224
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