Study on digital payment and overspending of consumer(age over 18+)

I am a postgraduate student conducting an academic study on digital payment usage and its impact on consumer behavior. All responses will remain confidential and will be used only for research purposes.

Link form:https://docs.google.com/forms/d/e/1FAIpQLSfOvDs1cyHG_QT6-i73qH0oM0VVfaZHBvIY05KJuZbDQAULvQ/viewform?usp=header