Saving Decisions in a Digital Economy

The rise of the digital economy is reshaping how Filipinos save and manage their finances. Consumer spending in the Philippines is projected to grow by 2025, fueled by increasing reliance on digital tools and a recovering economy. With the widespread adoption of online shopping, mobile payments, and digital banking, individuals now have more platforms to manage, monitor, and enhance their financial habits. Innovations such as budgeting apps and online investment platforms have simplified saving processes, allowing users greater visibility and control over their financial goals.

However, this shift towards digital spending also presents new challenges. While digital tools offer convenience and promote saving, they have also fostered impulsive spending behaviors that deviate from traditional saving practices. As the digital economy accelerates, it is crucial for Filipinos to find a balance between embracing digital financial innovations and maintaining strong saving habits. The evolving digital landscape requires a rethinking of financial strategies to ensure that economic opportunities are matched with financial resilience.

Who Can Use These Topics?

These research topics are ideal for students and professionals pursuing:

College Programs:

• BS in Financial Technology (FinTech)

• BS in Business Administration major in Financial Management

• BS in Economics

• BS in Banking and Finance

• BS in Accountancy

• BS in Entrepreneurship

• BS in Development Studies

Senior High School Strands:

• Accountancy, Business, and Management (ABM)

• Humanities and Social Sciences (HUMSS) (for socio-economic studies)

• General Academic Strand (GAS) (for interdisciplinary financial research)

Why This Topic Needs Research

Examining digital savings decisions is essential due to several identified research gaps:

• Lack of Longitudinal Perspectives: Previous studies emphasized cross-sectional data but recommended future research on how rapid technological, post-pandemic, and economic changes reshape saving behaviors over time (Kubińska et al., 2023).

• Influence of Informal Digital Channels: Although digital tools promote savings, the potential rise of informal digital saving practices and their long-term effects on market stability have not been sufficiently explored (Varlamova et al., 2020).

• Impact of Socioeconomic Differences: Digital financial literacy's role is established, but there remains a need to examine how different income groups and educational backgrounds experience digital saving decisions (Setiawan et al., 2022).

• Quantification of Saving Determinants: While internal and external factors influencing saving behavior have been identified, studies have yet to determine the relative impact of each factor to better tailor interventions (Jumena et al., 2022).

• Geographic and Socioeconomic Diversity: Research on saving behavior predominantly focuses on urban populations, missing insights from less urbanized areas and alternative saving channels (Agravante et al., 2025).

• Tailored Financial Services and Literacy Programs: Although digital financial literacy is linked to behavior, further studies should investigate how customized digital services and targeted educational programs directly influence saving outcomes (Angeles, 2022).

• Personal Saving Patterns Amidst Digital Policies: While macroeconomic effects of digital finance were explored, the direct influence of fintech innovations on personal and household saving behaviors remains under-researched (Meon et al., 2024).

Feasibility & Challenges by Target Group

Get Your Customized Thesis Title

Finding a well-structured quantitative research topic can be challenging, but I am here to assist you.

✔ Expertly Curated Topics – Not AI-generated, but carefully developed based on existing academic studies and research trends.
✔ Comprehensive Research Support – Includes a research-based paper and reliable survey questionnaire sources to strengthen your study.
✔ Personalized for Your Field – Get a thesis title tailored to your academic requirements and research interests.

Looking for a research title designed specifically for you? Secure your exclusive thesis title today!

Prefer video content? Subscribe to my YouTube Channel for expert insights on research topics, methodologies, and academic writing strategies.

References

Agravante, M., Soque, K., Villanueva, R. J., & Bragas, C. M. Digital vs. Traditional Savings: A Comparative Study of User Preferences, Satisfaction and Perceived Benefits. (2025). Journal homepage: www. ijrpr. com ISSN, 2582, 7421.

Angeles, I. T. (2022). The moderating effect of digital and financial literacy on the digital financial services and financial behavior of MSMEs. Available at SSRN 5055949.

Jumena, B. B., Siaila, S., & Widokarti, J. R. (2022). Saving behaviour: Factors that affect saving decisions (Systematic literature review approach). Jurnal Economic Resource.

Kubinska, E., Adamczyk-Kowalczuk, M., & Macko, A. (2023). Decisions on saving and investment in the digital era: Empirical evidence. In Behavioral Finance in the Digital Era. Taylor & Francis.

Meon, S. K., Caisip, A., Abante, M. V., & Vigonte, F. (2024). Challenges of Monetary Policy in the Digital Age: The Case of the Philippines. Available at SSRN 4852006.

Varlamova, J., Larionova, N., & Zulfakarova, L. (2020, March). Digital technologies and saving behavior. In International Scientific Conference" Far East Con"(ISCFEC 2020) (pp. 1661-1667). Atlantis Press.