Impact of Plastic Money Adoption on Consumer Purchasing Habits: A Study in Pakistan

Abstract

The study aims to investigate how the adoption of plastic money, such as credit and debit cards, influences consumers' purchasing habits in Pakistan. To gather data for the research, a primary survey employing a questionnaire-based approach was conducted. This survey targeted customers at various retail outlets, including marketplaces, supermarkets, and grocery stores, using convenience sampling techniques. Through this method, the study seeks to gain insights into the attitudes and behaviors of consumers regarding the use of plastic money in their shopping experiences. The study utilized the SPSS system for data management and analysis. Specifically, simple linear regression analysis was employed to examine the relationship between the independent variable, the use of plastic money, and the dependent variable, consumer buying behavior. The reliability of the data, measured by the coefficient alpha, was found to be 0.709, indicating a satisfactory level of internal consistency. The analysis aimed to evaluate the degree to which consumers' purchasing behavior is impacted by their utilization of plastic money in Pakistan. By examining the relationship between these variables through regression analysis, the study sought to provide insights into how the adoption of plastic money influences consumer spending patterns and decision-making processes within the Pakistani market.