Mobile payment means paying money through a mobile phone or payment application. Youths use mobile payments for shopping, food, travel, bills, recharges and money transfers. This study aims to understand how youths use mobile payments, their benefits and challenges, and their opinions about spending habits. The proposed study uses a simple questionnaire and a descriptive research method. It discusses convenience, transaction records, security risks and spending awareness. Actual survey results must be added after collecting responses. No survey findings have been invented in this draft.

Ku. Damini Sukhadeo Nandeshwar, Kushal M. Dharmik, "A Study on Impact of Mobile Payment with Reference to Youths" International Journal of Scientific Research and Engineering Development, V9(5): Page(1949-1953) September - October 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.