Published Article

ABSTRACT

Mobile payment systems are revolutionizing the financial sector by changing consumer behavior how they spend and manage money. This paper examines how mobile payment systems are changing consumer behavior in America. The research, drawing on a combination of survey data and qualitative results, investigates how far digital wallets affect spending habits, impulse purchases, and financial planning and how security concerns influence trust in these systems. The empirical research employs regression techniques and thematic analysis to provide a comprehensive insight into digital payment conduct. The findings are expected to inform stakeholders—ranging from policymakers to banks—on how best to optimize mobile payment systems in order to better serve consumers.

KEYWORDS: Mobile Payment, U.S, Consumer Behavior and Empirical Investigation