CONSUMER BEHAVIOUR ASSIGNMENT

Group 1
Date of Submission- 14-10-2019

REPORT-1
YASH MISHRA, 22 years old

I am born and brought up in Kanpur. I have done my schooling

from KV, Kanpur, and pursued B-Tech in my graduation from
IET, Lucknow.
Currently I am staying at Delhi, NCR, pursuing GATE and IAS
coaching.My father is holding a government post and my
mother is a teacher. I have also one younger sibling, pursuing
B-Tech.

During my free time, I used to either read books or play some

sport. Because from childhood itself, I have been into sports
especially cricket. I am a big fan of Sachin Tendulkar. Playing
cricket is my interest, it's not my aspiration. My current goal
is to crack GATE and IAS, and get a secured post in
government sector.
I am a bit conservative type of person because of my
upbringing. Talking about my culture and background at my
hometown, which is quite different. People over there are
little reserved, they do not open up much, neither a girl nor
a boy talk so openly, without any hesitation like what I have
seen over here in Delhi. I have experienced really a different
kind of culture. People here are so open minded and extrovert.
But still I feel more connected at my hometown only. "Vo asli
apni vali feel sirf apne sheher hi aati hai..." I do not have any
issue with Delhi rather what I feel about this place is that,
"Delhi Bhaag rha hai" whereas Lucknow is still moving slow.
So this instills a running spirit in me and make me more
competitive, energetic and determined towards my goal. This
makes me feel that Delhi is my city as it is fast and competent
whereas Kanpur is still growing and slow in some aspects.

It’s been almost 5 months I am here in Delhi and haven’t felt

any problem. I like this fast paced life wherein things can be
done so quickly. I can travel by just clicking on an app, get food
within few minutes and get mostly all the services with so
much of convenience. I use Google pay, freecharge and
Paytm while making the payment. My most preferred mode
of payment option is paytm. Infact I have connected it to my
uber account. Moreover, while i go to the nearby stores to my
PG like Easyday or general stores, they accept Paytm. I find it
quite convenient because there is no need to carry hard cash
with me always.
Comparing it with Kanpur, such facilities are still not available
everywhere and every time. People over there are still not
much receptive in taking money from E-wallets. They want
money in their hand. Digital illiteracy is the main reason
behind this. People have not been given this exposure wherein
they can try such other feasible options in their lives. In
addtion to this, people are really scared in using digital mode
of payments because they feel it is not safe. They can sense
danger and feel lot of scams can happen in this. Also I have
personally seen people are misusing and making a fool out of
others like this. Recently my uncle who owns a general store
in main area of Kanpur had shared his awful experience of how
people took advantage of him. He told me that after
purchasing products from his store, how customers had
fooled him by sharing some other screenshots of previous
transactions of e-wallet. He never had time to validate the
mobile screens and believed the people at that point of time.
This has made him and his surroundings of not trusting and
accepting e-wallets easily.
Personally in my opinion I am completely opposite to this. I do
not have any trust issues or feel that my accounts could be
hacked. Rather I feel it is quite beneficial for us and I am a
loyal user of e-wallets especially Paytm. This has made my
life hassle free and easier in everything. I feel more digital
awareness should be happen there in my city as well so that
people would be more receptive towards such feasible
options and this fear of being fooled should go away. This will
improve their lifestyles only and give them an easy life.

REPORT-2
SONAM RATHORE, 25 years old
I am Sonam from Korba, Chattisgarh. I belong to a middle class
family. I completed my MBA in HR from Delhi in 2015 and later
I moved back to my hometown. I came to Delhi about 2
months ago looking for a job.The thing that I love the most
about my profession is that I get to organize a lot of cultural
activities which gives wings to my creative expression.
However there are times when I feel lost in this city I feel very
lonely and I miss my family and friends. One thing that I miss
the most about my hometown is that people are more warm
and welcoming there. I try to keep myself motivated and
positive by indulging in activities that I love the most. One
thing that I love the most and I am most passionate about is
dancing. I am a trained Kathak dancer. Even though I don’t
dance now like I used to before but whenever I feel lost or
unhappy dance is my only escape from all the chaos that
surrounds me.
Once I even got an opportunity to audition for a famous
colors TV programme and luckily I got the lead role to play.
My parents have always supported and motivated me to
follow my heart. For them my happiness is of utmost
importance. However I am not someone who likes taking a
lot of risks and hence I didn’t take that opportunity. I believe
chasing your passion and everything is important in life but
one needs to be a little practical as well.
Living alone in a city like Delhi brings with itself its own
challenges. I have a kind of a love – hate relationship with
this city and I have had my share of both good and bad
experiences. Back in 2013 when I was new to this city I
experienced something that I can never forget. It was a cold
winter night and I was coming back from my classes. I heard a
cars honk and the next thing that I remember is someone
pushed me from behind and snatched my phone. This
incident further shook my trust.
Nowadays I have to travel on a regular basis because I have to
give a lot of job interviews. I usually prefer taking a cab
because it’s more convenient and hassle free. I prefer using
cash over online payments as for me it’s more secure and a
safer option. Once a strange incident happened with me
wherein I had ordered something from Snapdeal. I got a
fraudulent call from them asking me to give my card details
as I had won some online voucher. I could sense that
something was not right I called Snapdeal’s main office and I
got to know that there was no such offers or vouchers that
were given. This particular situation actually made me very
cautious and it further decreased my trust on these online
portals. I plan to continue using cash as a mode of payment
unless an app is introduced that guarantees me that my
money will be safe.

REPORT-3
CHHAVI RAJ, 25 years old

I'm from Bihar, but I've been living in Delhi since 9th standard.
I did my graduation and masters both in Hindi from Delhi
University.
Currently I'm doing PHD in Hindi Literature from IGNOU. I
aspire to become a civil servant. I decided this after my
graduation. I feel that it is one of the most prestigious posts.
My only aim in my life is to make my parents proud. They
have always supported me and they have never forced me to
do anything. I have always taken my own decisions. After 8th
standard I moved to Delhi to continue my schooling. Initially it
was very difficult for me to adjust in a city like Delhi. I was
from a Hindi medium school and I was enrolled in English
medium school here. This one incident totally shattered my
confidence as I couldn’t be myself anymore. People were too
judgemental and they made fun of my English. If it was in my
hands I would delete those two dreadful years away from my
life.
My life became a little better when I entered 11th standard, I
took arts as it was available in Hindi medium as well. I made a
lot of friends and I was finally able to adjust.
I love shopping, reading novels, and travelling. I feel that
while travelling you get to learn a lot. You get out of your
comfort zone, which gives you a lot of confidence and a chance
to explore different things. I love going to hill stations. I've
visited most of Uttarakhand, Himachal Pradesh and Rajasthan.
I would also like to live my entire life in a calm hill station like
Dehradun..

I also get confidence from participating in various activities

like debates, quizzes, seminars etc. I feel that confidence is
very important in life but somehow after coming to Delhi, I lost
my identity.
I have been hardworking and a sincere student all my life. I
can proudly say that I hold a valuable scholarship that only
3% students get. It covers all my expenses.
For payments, I prefer cash. I have recently started using
Paytm however I still feel cash is a more secure option. I'm not
really scared of using online payments as such. It’s just very
habitual for me to use cash. I find it more convenient. Maybe
It’s a psychological build up that i have. Nowadays I am trying
to adapt myself by trying to use these online payment
methods. One positive thing about these online apps is that I
get to know about all the offers and cashbacks that they
have. But my awareness is still low. Maybe once I get used to
these, I might use them.
Currently i only use Paytm and Bhim app. I use Bheem to
transfer money to my family living in Bihar. Comparing both of
these, Paytm is easier to use, but it doesn't have an option to
transfer money directly to people's accounts.

REPORT-4
ANCHAL SHARMA, 20 years old

I’m Anchal Sharma currently studying in DU. I’m in the first

year pursuing a course in Mass Communication. It was my
decision to pursue Mass Communication because I want to get
into PR. I hail from Delhi and live with my mother alone. My
mother has been the only pillar of my support. I do not have
siblings, therefore, I had always spend time in my own
company. I don’t have many interests; however, in the past
few years I really like to hang out with my friends. My main
goal is to achieve a good position in life and to be able to fulfil
my dreams.
My dream is to become a good PR professional. I want to get
into PR because you can influence a lot of things and one can
earn well in this profession. Right now the income in my family
comes from the grocery store that my mother runs. It was my
father’s business that my mother has now taken over. My
father passed away when I was in 10th Std. and it was a life
shattering moment for me. I felt like my life stopped, but I had
to be there for my mother. I try to help my mother in the shop
whenever I get time, which I don’t anymore.
I often feel very lonely. Spending time on social media apps
like Instagram, Snapchat and Whatsapp is my escape from
loneliness. Sleeping is another thing I love. What I don’t like is
talking a lot… on call or face to face. It’s because I don’t like to
give my information to people. I feel that it is very childish –
going to people and sharing your personal life with them. I
behave with people the way they behave with me. If people
are frank with me, I’m frank as well. If someone tests my
patience, I let them go. I’m caring but I can also be selfish. I
have a lot of ego, that’s what my friends tell me. Like if I have
a fight with someone, I am never the first one to say sorry.
I don’t really have a role model. The only thing that inspires
me to work hard is freedom. I believe that when you work
hard and become independent, you have freedom to do
anything. My mother doesn’t place any restrictions on me, but
I am not financially independent as of now.
My wish is to get settled in life. By this I mean having a good
job, having savings and investment, so that I don’t have to
think before spending. My other wish is to travel the world. I
want to go to the USA, Mauritius, I also really want to go to
Bombay.
I like Bombay because people go there with a purpose. I would
like to settle in such a city. I want to go to the USA because I
like the vibe of that country. I feel that in the USA, people don’t
interfere with other people’s life. They are busy and mind their
own business. Although, I don’t want to settle there. It’s
because I don’t want to be too far from my mother. My
mother is the most important person in my life. She comes
above my friends and the rest. Parents are the only people
who care about us so much, they are always there and they
never change.
I constantly worry about my mother’s well-being. Even
though she is very independent, somewhere I feel scared of
leaving her alone. I like to help her as much as I can. Running
errands and stuff. Shopping for things for the house and for
our store.
We have recently started using online portals for shopping like
amazon and all. It is difficult for my mother to use technology.
She hasn’t adapted to it yet. I only order things. Now that I
don’t have much time, it is easier to shop online. Whenever I
shop, I use cash. I don’t really use online wallets. Even if I’m
shopping online, I prefer to use cash only. If some product
does not have an option of cash on delivery, I usually don’t
buy that. I do have Paytm in my phone and it has some
money for emergency situations, but I still like to use cash for
all of my transactions. I never got into a habit of using Paytm…
or any other such payment methods. Cash feels like real
money. Using Paytm doesn’t feel like I’m actually spending
any money. You tend to over spend using such methods.