Assessing Financial Management Behavior in Digital Context: A Comparative Analysis 3 1

Abstract

Digitalized Financial Behaviour (DFB) is the use of digital technology for personal finance management, including mobile banking, digital payment systems, and online investment platforms. The increasing reliance on digital financial services makes it essential to understand how these services are changing financial behavior. However, research on the relationship between demographic variables and DFB in developing countries like India is limited. Identifying demographic factors that influence DFB is vital for assessing and refining policy interventions to improve financial outcomes and stability. This study investigates the impact of demographic variables such as age, gender, marital status, class, occupation, income level and education on DFB in Delhi (India). The analysis of 388 individuals was analyzed using independent samples t-test and ANOVA in SPSS version 24. However, those with higher incomes accepted DFB than those with lower incomes. These findings may encourage regulators, NGOs, financial institutions and institutions to promote digital financial management in developing countries like India, thereby promoting Accounting and security.