Whalesbook
Digital wallets like Paytm, PhonePe, and Google Pay in India facilitate frequent, small micropayments for daily needs and subscriptions. This ease of use, termed the 'tap economy,' removes the psychological 'pain of paying,' leading to subconscious spending that creates 'invisible leaks' in personal budgets. Despite high digital payment adoption, consumers are spending more, urging a need for mindful digital usage and better budget awareness.