Payment Methods and Financial Behavior

Overview Analysis of how cash and digital payment methods influence financial behavior among university students, with a focus on spending awareness and financial management outcomes.

Business Question Do payment methods affect financial decision-making, and does spending awareness explain this relationship?

Data Survey data from university students in India and the UK covering payment usage, financial behavior, income sources, and demographics and created a .csv file "Imputed_Data.csv"

Approach Data cleaning, feature engineering, reliability testing, group comparisons, and mediation analysis using robust statistical methods.

Key Insights Cash usage is associated with stronger financial management, partly driven by higher spending awareness. Digital payments show greater links to impulsive spending.

Outputs Analytical visuals, summary tables, and mediation diagrams supporting insight communication.

Tools R, statistical analysis, survey analytics, and data visualization.

Skills Demonstrated Business analysis, data preparation, statistical reasoning, and insight-driven storytelling.

Imputed_Data.csv Dataset file.