COMMERCE EDUCATION IN THE DIGITAL ERA AND SYSTEMATIC INVESTMENT PLANS: UNDERSTANDING MIDDLE-CLASS INVESTOR BEHAVIOUR IN AMRAVATI CITY (KEY IJP************444)

• Mr. Rohan R. Rangari

Abstract

This research paper explores the impact of digital commerce education on the adoption of Systematic Investment Plans (SIPs) among middle-class households in Amravati City. It examines how digital learning shapes financial decision-making and investment behaviour. A sample of 100 respondents was selected using random sampling, with data collected through structured questionnaires and online surveys. The study employed a descriptive research design, integrating quantitative and qualitative methods to assess trends, financial knowledge, and digital education's role in shaping investment choices. Statistical tools like SPSS and Excel were used to analyse data, applying percentage analysis and chi-square tests to determine relationships between commerce education and SIP adoption. The findings show that digital commerce education enhances financial awareness, fostering greater trust in and participation in SIPs. However, barriers such as limited personalized guidance and digital accessibility still affect widespread adoption. The study concludes that strengthening technology-driven financial education can boost investor confidence and encourage systematic investing.