Digital Influence on Economic and Lifestyle Dynamics of Working Women

Abstract: Digitalization has increasingly transformed the economic, social and personal lives of working women by facilitating access to digital services, electronic payments, online information and technology-enabled decision-making. The present study examines the relationship between digitalization and lifestyle dynamics among working women, with particular emphasis on digital usage, digital services, digital payment practices and perceived digital influence on lifestyle. The study is based on primary data collected from 542 working women. The analysis incorporates digitalization variables such as devices used, frequency of digital usage, purpose of usage, digital services, device purpose, digital payment usage, security awareness, security level and perceived digital influence. Lifestyle dynamics are examined through living standard, consumption change, lifestyle decision-making, balance of life and quality of life. Descriptive statistics and Pearson's Chi-square test were employed to identify significant associations between digitalization and lifestyle-related variables. The findings reveal a significant association between digital influence and balance of life (χ² = 11.853, p = 0.003), usage purpose and consumption change (χ² = 8.005, p = 0.018), and usage frequency and balance of life (χ² = 7.365, p = 0.025). Digitalization was also significantly associated with selected economic outcomes, including salary satisfaction, income change and income control. The findings indicate that digitalization is becoming an important component of the contemporary lifestyle of working women, although its effects vary across different dimensions of economic and personal life. The study recommends strengthening digital literacy, secure digital payment practices and women-centred digital financial services to promote inclusive economic participation and improved quality of life.

Keywords: Digitalization, Working Women, Lifestyle Dynamics, Digital Payments, Economic Empowerment, Digital Financial Services, Work-Life Balance