{"id":3709,"date":"2023-07-14T08:42:13","date_gmt":"2023-07-14T08:42:13","guid":{"rendered":"https:\/\/1finance.co.in\/magazine\/?post_type=blog&p=3709"},"modified":"2025-08-02T12:47:48","modified_gmt":"2025-08-02T07:17:48","slug":"how-tech-makes-splitting-bills-easier","status":"publish","type":"blog","link":"https:\/\/1finance.co.in\/1f-dashboard\/blog\/how-tech-makes-splitting-bills-easier\/","title":{"rendered":"How Tech Makes Splitting Bills Easier"},"content":{"rendered":"

a nice time and eaten your fill. Then the bill reaches the table, and suddenly, there\u2019s an air of tension and uneasiness. No one wants to be the first to ask the dreaded question, \u201cHow are we splitting this?\u201d<\/span><\/p>\n

These awkward situations are a dime a dozen in the modern world. Meals, group trips, expenses among housemates and even pooling in for gifts to a common friend often come with the implications of lending money to friends and, ideally, proportional sharing of expenses. It\u2019s not uncommon that, in an effort to avoid discussing who owes whom, and how much, an unsatisfactory compromise like splitting the total amount equally is arrived at.<\/span><\/p>\n

Talking about money can be taboo<\/span><\/a>, especially among friends \u2014 be it due to cultural beliefs such as it being considered crass or tacky, or the fear of it affecting relationships and others\u2019 perceptions of you. While each individual may come from different financial backgrounds and have different relationships with money, there still exists a social game of pretending to not care about money.<\/span><\/p>\n

Developmental counselling psychologist Sneha Mani explains, \u201c<\/span>We all have a very complicated relationship with money that often goes unaddressed or unacknowledged because of cultural taboos. In more recent generations, while there is more unabashed conversation around the overall concept of money, there is still the need to play out certain social optics [like] being seen as someone who is benevolent with money [or] being frugal.\u201d Our trepidation to enter into these discussions, she adds, often has to do with how \u201cour lowering tolerance for having difficult conversations \u2014 ones in which we might disappoint another or come off as imperfect \u2014 has made us more averse to asking for the settling of a debt.<\/span>\u201d<\/span><\/p>\n

 <\/p>\n

‘Our lowering tolerance of having difficult conversations \u2014 ones in which we might disappoint another or come off as imperfect \u2014 has made us more averse to asking for the settling of a debt.’<\/em><\/strong><\/h3>\n

 <\/p>\n

When we are owed money by our friends or family, there is some hesitation associated with asking for repayment. There is an understandable discomfort in suddenly introducing an impersonal and transactional aspect into your personal relationships.<\/span><\/p>\n

That\u2019s where tech comes in. Convenient payment platforms like Google Pay and PayTM have <\/span>changed the way we spend<\/span><\/a> and monitor our expenses. Over the last few years, with new features from UPI apps and the introduction of dedicated expense-sharing apps like Splitwise and Tricount, people have possible solutions for sharing expenses and settling interpersonal debts.<\/span><\/p>\n

Splitwise, an expense-sharing and tracking app, has exploded in popularity since its launch in 2011. CEO Jonathan Bittner, in a 2021 interview with <\/span>TechCrunch<\/span><\/i>, said that the app had registered users in the \u201ctens of millions\u201d. Even popular UPI services such as PhonePe and Google Pay have recently introduced a volley of features \u2014 like splitting a bill with others, requesting money for a payment you made, sending a reminder and showing pending balances.\u00a0<\/span><\/p>\n

The use of such apps is widespread \u2014 <\/span>The Economic Times<\/span><\/i> reported<\/span><\/a> that the National Payments Corporation of India pegged the total value of UPI transactions for May 2023 at \u20b914.3 trillion, and that payment infrastructure registered a 58% year-on-year jump in terms of volume of transactions.<\/span><\/p>\n

These services allow users to keep track of shared expenses, with the exact balances being maintained in real time. These tools, Mani believes, <\/span>\u201ctry to eliminate the social and psychological associations with money by laying down the numbers. This helps a lot of individuals initiate these conversations because it now feels rational and matter-of-fact. Secondly, the apps add a level of distance from an emotional conversation, which allows for a higher degree of tolerance of discomfort.\u201d<\/span><\/p>\n

Technology clearly has an important role to play in separating emotions from transactions and can help people navigate uncomfortable financial situations with a greater degree of confidence. However, it\u2019s only the first step to addressing a broader issue. Asking people to pay you back and splitting expenses will still carry some level of awkwardness as long as the social stigmas that surround money continue to persist.<\/span><\/p>\n

Mani\u2019s advice is to look inward and understand your own relationship with money, to be more comfortable with having these conversations in the long run. \u201c<\/span>We need to be able to view money as one of the resources we engage with \u2014 like time, power, sex \u2014 and understand how our culture, families and social groups have informed our individual relationships with money.\u201d<\/span> In the short term, she suggests having a clear, non-apologetic conversation and establishing a timeline for repayment. After all, there\u2019s no faster way to break a taboo than by facing it head-on.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

a nice time and eaten your fill. Then the bill reaches the table, and suddenly, there\u2019s an air of tension and uneasiness. No one wants to be the first to ask the dreaded question, \u201cHow are we splitting this?\u201d These awkward situations are a dime a dozen in the modern world. Meals, group trips, expenses […]<\/p>\n","protected":false},"featured_media":2378,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_updated_date":""},"blog-category":[292],"acf":[],"yoast_head":"\nHow Tech Makes Splitting Bills Easier<\/title>\n<meta name=\"description\" content=\"Explore insightful articles on finance, investments, and money management on our blog. Stay informed and make wise financial decisions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Tech Makes Splitting Bills Easier\" \/>\n<meta property=\"og:description\" content=\"Explore insightful articles on finance, investments, and money management on our blog. Stay informed and make wise financial decisions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogs\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-02T07:17:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/imaages-hosting-1fin.s3.ap-south-1.amazonaws.com\/assets\/ogimage\/Blog.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"750\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@1FinanceHQ\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/\",\"url\":\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/\",\"name\":\"How Tech Makes Splitting Bills Easier\",\"isPartOf\":{\"@id\":\"https:\/\/1finance.co.in\/blog\/#website\"},\"datePublished\":\"2023-07-14T08:42:13+00:00\",\"dateModified\":\"2025-08-02T07:17:48+00:00\",\"description\":\"Explore insightful articles on finance, investments, and money management on our blog. Stay informed and make wise financial decisions.\",\"breadcrumb\":{\"@id\":\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/\"]}],\"primaryImageOfPage\":{\"@id\":\"\"},\"image\":{\"@id\":\"\"}},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/1finance.co.in\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blogs\",\"item\":\"https:\/\/1finance.co.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How Tech Makes Splitting Bills Easier\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/1finance.co.in\/#website\",\"url\":\"https:\/\/1finance.co.in\/\",\"name\":\"1 Finance\",\"description\":\"Our single focus, to get you to re-imagine your Personal Finance What does this mean ? There\u2019s a process to grow your money while you peacefully sleep, which only the top 5% have access to. It\u2019s what makes the rich, even richer.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/1finance.co.in\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Tech Makes Splitting Bills Easier","description":"Explore insightful articles on finance, investments, and money management on our blog. Stay informed and make wise financial decisions.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/","og_locale":"en_US","og_type":"article","og_title":"How Tech Makes Splitting Bills Easier","og_description":"Explore insightful articles on finance, investments, and money management on our blog. Stay informed and make wise financial decisions.","og_url":"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/","og_site_name":"Blogs","article_modified_time":"2025-08-02T07:17:48+00:00","og_image":[{"width":1000,"height":750,"url":"https:\/\/imaages-hosting-1fin.s3.ap-south-1.amazonaws.com\/assets\/ogimage\/Blog.png","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_site":"@1FinanceHQ","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/","url":"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/","name":"How Tech Makes Splitting Bills Easier","isPartOf":{"@id":"https:\/\/1finance.co.in\/blog\/#website"},"datePublished":"2023-07-14T08:42:13+00:00","dateModified":"2025-08-02T07:17:48+00:00","description":"Explore insightful articles on finance, investments, and money management on our blog. Stay informed and make wise financial decisions.","breadcrumb":{"@id":"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/"]}],"primaryImageOfPage":{"@id":""},"image":{"@id":""}},{"@type":"BreadcrumbList","@id":"https:\/\/1finance.co.in\/blog\/how-tech-makes-splitting-bills-easier\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/1finance.co.in\/"},{"@type":"ListItem","position":2,"name":"Blogs","item":"https:\/\/1finance.co.in\/blog\/"},{"@type":"ListItem","position":3,"name":"How Tech Makes Splitting Bills Easier"}]},{"@type":"WebSite","@id":"https:\/\/1finance.co.in\/#website","url":"https:\/\/1finance.co.in\/","name":"1 Finance","description":"Our single focus, to get you to re-imagine your Personal Finance What does this mean ? There\u2019s a process to grow your money while you peacefully sleep, which only the top 5% have access to. It\u2019s what makes the rich, even richer.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/1finance.co.in\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/blog\/3709"}],"collection":[{"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/types\/blog"}],"replies":[{"embeddable":true,"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/comments?post=3709"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/media\/2378"}],"wp:attachment":[{"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/media?parent=3709"}],"wp:term":[{"taxonomy":"blog-category","embeddable":true,"href":"https:\/\/1finance.co.in\/1f-dashboard\/wp-json\/wp\/v2\/blog-category?post=3709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}