This study investigates factors that influence consumers' intentions to adopt the Unified Payments Interface (UPI) digital payment system in India. The study uses a survey of 200 UPI users and applies the Technology Acceptance Model (TAM) as a framework to develop hypotheses about the impact of perceived trust, perceived risk, perceived ease of use, and perceived usefulness on behavioral intention. Statistical analysis of the survey data shows that perceived trust, perceived risk, and perceived usefulness have a significant impact on behavioral intention, while perceived ease of use does not have a significant impact. The study aims to identify key factors influencing UPI adoption and their relationships in order to help promote further adoption of UPI.
AN EXPLORATION OF THE FACTORS AFFECTING USERS’ SATISFACTION WITH MOBILE PAYMENTSijcsit
Mobile payment allows consumers to make more flexible payments through convenient mobile devices. While mobile payment is easy and time save, the operation and security of mobile payment must ensure that the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore, this study based on technology acceptance model to explore the impact of external variables through perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis and regression analysis to verify the hypotheses. The results show that all hypotheses are supported. However, mobile payment is still subject to many restrictions on development and there are limited related researches. The results of this study provided insight into the factors that affect the users’ satisfaction for mobile payment. Related services development of mobile payment and future research suggestions are also offered.
Mobile payment allows consumers to make more flexible payments through convenient mobile devices. While mobile payment is easy and time save, the operation and security of mobile payment must ensure that the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore, this study based on technology acceptance model to explore the impact of external variables through perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis and regression analysis to verify the hypotheses. The results show that all hypotheses are supported. However, mobile payment is still subject to many restrictions on development and there are limited related researches. The results of this study provided insight into the factors that affect the users’ satisfaction for mobile payment. Related services development of mobile payment and future research suggestions are also offered.
Mobile payment allows consumers to make more flexible payments through convenient mobile devices.
While mobile payment is easy and time save, the operation and security of mobile payment must ensure that
the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore,
this study based on technology acceptance model to explore the impact of external variables through
perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in
this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis
and regression analysis to verify the hypotheses. The results show that all hypotheses are supported.
However, mobile payment is still subject to many restrictions on development and there are limited related
researches. The results of this study provided insight into the factors that affect the users’ satisfaction for
mobile payment. Related services development of mobile payment and future research suggestions are also
offered.
ANALYSE THE USER PREDILECTION ON GPAY AND PHONEPE FOR DIGITAL TRANSACTIONSIAEME Publication
Technology upgradation in banking sector took the economy to view that payment mode towards online transactions using mobile applications. This system enabled connectivity between banks, Merchant and user in a convenient mode. there are various applications used for online transactions such as Google pay, Paytm, freecharge, mobikiwi, oxygen, phonepe and so on and it also includes mobile banking applications. The study aimed at evaluating the predilection of the user in adopting digital transaction. The study is descriptive in nature. The researcher used random sample techniques to collect the data. The findings reveal that mobile applications differ with the quality of service rendered by Gpay and Phonepe. The researcher suggest the Phonepe application should focus on implementing the application should be user friendly interface and Gpay on motivating the users to feel the importance of request for money and modes of payments in the application.
AN EXPLORATION OF THE FACTORS AFFECTING USERS’ SATISFACTION WITH MOBILE PAYMENTSijcsit
Mobile payment allows consumers to make more flexible payments through convenient mobile devices. While mobile payment is easy and time save, the operation and security of mobile payment must ensure that the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore, this study based on technology acceptance model to explore the impact of external variables through perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis and regression analysis to verify the hypotheses. The results show that all hypotheses are supported. However, mobile payment is still subject to many restrictions on development and there are limited related researches. The results of this study provided insight into the factors that affect the users’ satisfaction for mobile payment. Related services development of mobile payment and future research suggestions are also offered.
Mobile payment allows consumers to make more flexible payments through convenient mobile devices. While mobile payment is easy and time save, the operation and security of mobile payment must ensure that the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore, this study based on technology acceptance model to explore the impact of external variables through perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis and regression analysis to verify the hypotheses. The results show that all hypotheses are supported. However, mobile payment is still subject to many restrictions on development and there are limited related researches. The results of this study provided insight into the factors that affect the users’ satisfaction for mobile payment. Related services development of mobile payment and future research suggestions are also offered.
Mobile payment allows consumers to make more flexible payments through convenient mobile devices.
While mobile payment is easy and time save, the operation and security of mobile payment must ensure that
the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore,
this study based on technology acceptance model to explore the impact of external variables through
perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in
this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis
and regression analysis to verify the hypotheses. The results show that all hypotheses are supported.
However, mobile payment is still subject to many restrictions on development and there are limited related
researches. The results of this study provided insight into the factors that affect the users’ satisfaction for
mobile payment. Related services development of mobile payment and future research suggestions are also
offered.
ANALYSE THE USER PREDILECTION ON GPAY AND PHONEPE FOR DIGITAL TRANSACTIONSIAEME Publication
Technology upgradation in banking sector took the economy to view that payment mode towards online transactions using mobile applications. This system enabled connectivity between banks, Merchant and user in a convenient mode. there are various applications used for online transactions such as Google pay, Paytm, freecharge, mobikiwi, oxygen, phonepe and so on and it also includes mobile banking applications. The study aimed at evaluating the predilection of the user in adopting digital transaction. The study is descriptive in nature. The researcher used random sample techniques to collect the data. The findings reveal that mobile applications differ with the quality of service rendered by Gpay and Phonepe. The researcher suggest the Phonepe application should focus on implementing the application should be user friendly interface and Gpay on motivating the users to feel the importance of request for money and modes of payments in the application.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
Market Research: Consumer Behavior and Satisfaction Level on use of Digital W...Prinson Rodrigues
Digital Wallet Vs. traditional mode of payment
Consumer preference
Survey to know the consumer behavior and satisfaction level of digital wallet over other modes
Digital wallet companies Paytm, Phonepe, Jio, M-pesa, Tez, Freecharge, Mobikwik
Security concerns on digital wallet system
Hindrances and benefits of digital wallet
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
Mobile Payment System Adoption among Informal Sector in Anambra StateYogeshIJTSRD
Advancements in mobile technologies have led to an increased uptake of smart phones. This has led to a growing trend in mobile payment m payment activities. However, Mobile payment system have not taken off as fast as expected. The slow adoption rate of mobile payment system raise many questions about what influences consumer behavioural intention to adopt. The main objective of this study was to ascertain the extent of Mobile Payment adoption among informal sector in Anambra State of Nigeria. The study adopted a survey research design because this design allowed the researcher to collect data from the respondents and make inferences from this information. The study examined the constructs developed from the literature reviewed, which are Perceived Usefulness, Perceived Ease of Use, Perceived cost, Perceived Trust and Perceived Risk as regards adoption of mobile payment system, which is supported by the extended Technology Acceptance Model TAM . The data for this study was collected using a structured questionnaire and out of the 246 questionnaire distributed to the mobile phone users, operating under the informal sector of the three major cities Awka, Onitsha and Nnewi in Anambra state, 236 questionnaires were returned. The findings showed that Perceived risk and Perceived cost have a negative influence on Behavioural Intention to adopt mobile payment among the informal sector. While Perceived ease of use, perceived usefulness and Perceived trust do not significantly influence Behavioural Intention to adopt mobile payment among the informal sector. The researcher therefore recommends that Mobile payment parties should ensure that they offer mobile payment service at cheap cost so that informal sector will feel convenient to use it as they are mostly price conscious. Anyaeneh Vivian Kamsoluchi | Rev. Prof. A. D. Nkamnebe "Mobile Payment System Adoption among Informal Sector in Anambra State" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43892.pdf Paper URL: https://www.ijtsrd.com/management/other/43892/mobile-payment-system-adoption-among-informal-sector-in-anambra-state/anyaeneh-vivian-kamsoluchi
A STUDY ON CONSUMER PERCEPTIONS TOWARDS DIGITAL FINANCE AND ITS IMPACT ON FIN...IAEME Publication
With today’s world progressing at a lightning pace, finance cannot afford to lag behind. Finance must become inclusive, dynamic and buoyant. In other words, finance must becomedigital. The genesis and rise of digital financial services is a remarkable global phenomenon. There is little doubt that the financial services industry, today, is one of the most digitized industries. This paper throws light on the adoption and perceptions of the urban Indian consumers, in the context of digitized financial services. The study focuses on the extent of acceptability, usage, beliefs, deterrents and incentive patterns among the Indians. Itsuggeststhat although the popularity of financial services provided digitally is growing in absolute terms in India, but the rate of growth is painfully slow, considering the huge potential that the country possesses.
Public enthusiasm regarding lending services using the current new method, namely peer to per
lending, has become the highest sector in the development of fintech in Indonesia. The purpose of this study was
to determine and analyze the intention of millennials generation in making transactions on peer to peer lending
applications. Researcher will review from factor perceived ease of use, perceived risk and add a moderating
variable is consumer attitude in
India is a fast becoming country of mobile and internet. Government of India initiative such as “Digital India”, in future our country will become cashless economy. Due to advancement of technology, man becomes more convenient and comfortable. Mobile Wallet is a platform for making payment through mobile. There are various
applications available like google pay, paytm citrus, etc. by using of such platforms payment can become more easy for online shopping, money transfer, utility bill payment, etc. Through mobile payment is very convenient and more secure to the public. Here, is an attempt to make a study on how the mobile wallet used by the consumers and their perception and satisfaction level towards using of such m-wallet payment gateways.
Predictors of Mobile Payment Adoption among Informal Sector in South East Nig...YogeshIJTSRD
Mobile phone has advanced to the extent that it has made life more comfortable and efficient. The comfort of being able to pay for goods and services from any point of transaction, using mobile payment system has become a vital issue as it saves a lot of time and the risks involved in carrying cash. However, Mobile payment system have not taken off as fast as expected especially in the Informal Sector in Nigeria. The slow adoption rate of mobile payment system raise many questions about what influences consumer behavioural intention to adopt. The main objective of this study was to ascertain the Predictors of Mobile Payment adoption among informal sector in South East Nigeria. The study adopted a survey research design and examined the constructs developed from the literature reviewed, which are Perceived Usefulness, Perceived Ease of Use, mobility, payment knowledge, Perceived cost, Perceived Trust and Perceived Risk as regards adoption of mobile payment system, which is supported by the extended Technology Acceptance Model TAM . The data for this study was collected using a structured questionnaire and out of the 665 questionnaire distributed to the mobile phone users, operating under the informal sector of the capital cities of the five states Abia=Umuahia Anambra=Awka Ebonyi=Abakiliki Enugu=Enugu Imo=Owerri that make up South East Nigeria, 484 questionnaires were returned. The findings showed that Perceived ease of use, Perceived usefulness, mobility, Perceived Trust and Perceived Risk significantly influence Behavioural Intention to adopt M payment by the informal sector. While M Payment knowledge and Perceived cost do not significantly influence Behavioural Intention to adopt M payment by the informal sector. The researcher therefore recommends that Mobile payment parties should ensure that they offer mobile payment service at cheap cost so that informal sector will feel convenient to use it as they are mostly price conscious. Anyaeneh Vivian Kamsoluchi | Prof. Irenus. C. Nwaizugbo "Predictors of Mobile Payment Adoption among Informal Sector in South-East Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd38707.pdf Paper URL: https://www.ijtsrd.com/management/marketing/38707/predictors-of-mobile-payment-adoption-among-informal-sector-in-southeast-nigeria/anyaeneh-vivian-kamsoluchi
“DIGITAL PAYMENT AND ITS INFLUENCE TO CUSTOMER CONVENIENCE”AJHSSR Journal
ABSTRACT: Digital Payment technologies have transformed the way we perform financial transactions over
the last decade. With the introduction of digital payment system, the landscape of business and consumer
behavior has radically changed. This change has not only given various benefits to business but has also a huge
influence on customer convenience. This research study investigated the perception of customers towards digital
payment as to E-Wallet, Mobile Banking and Debit/Credit card in relation to level of their convenience. This
study utilized a descriptive correlational research design with researcher made questionnaire used in gathering
data and information from the two hundred (200) respondents who were randomly selected from Zambales. The
researchers made use of Analysis of Variance (ANOVA) and Pearson Correlation Coefficient in measuring the
significant differences and relationship of the variables.Analyzed data revealed that the customer respondents
assessed “Strongly Agreed” on E-Wallet and Mobile Banking while “Agreed” on the Debit/Credit Card digital
payment. The customer respondents assessed “Strongly Agreed” on the level of customer convenience. There is
a positive moderate relationship between customer convenience and digital payment of E-wallet, Mobile
Banking and Debit/Credit Card respectively. There is significant difference on the perception towards
dimensions of digital payment as to E-wallet, Mobile Banking and Debit/Credit Card. Based on the results of the
study, the researchers strongly recommends the use of digital payment as a method of payment; conduct a
feasibility study on the attainment of full satisfaction and convenience of the customers; with the present
proliferation of various internet hacking and scam, the digital payment companies are encourage to continuously
provide high level of security to assure customer safety from fraud and deception.
KEY WORDS:digital payment, e-wallet, mobile banking, debit/credit card, customer convenience
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
Market Research: Consumer Behavior and Satisfaction Level on use of Digital W...Prinson Rodrigues
Digital Wallet Vs. traditional mode of payment
Consumer preference
Survey to know the consumer behavior and satisfaction level of digital wallet over other modes
Digital wallet companies Paytm, Phonepe, Jio, M-pesa, Tez, Freecharge, Mobikwik
Security concerns on digital wallet system
Hindrances and benefits of digital wallet
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
Mobile Payment System Adoption among Informal Sector in Anambra StateYogeshIJTSRD
Advancements in mobile technologies have led to an increased uptake of smart phones. This has led to a growing trend in mobile payment m payment activities. However, Mobile payment system have not taken off as fast as expected. The slow adoption rate of mobile payment system raise many questions about what influences consumer behavioural intention to adopt. The main objective of this study was to ascertain the extent of Mobile Payment adoption among informal sector in Anambra State of Nigeria. The study adopted a survey research design because this design allowed the researcher to collect data from the respondents and make inferences from this information. The study examined the constructs developed from the literature reviewed, which are Perceived Usefulness, Perceived Ease of Use, Perceived cost, Perceived Trust and Perceived Risk as regards adoption of mobile payment system, which is supported by the extended Technology Acceptance Model TAM . The data for this study was collected using a structured questionnaire and out of the 246 questionnaire distributed to the mobile phone users, operating under the informal sector of the three major cities Awka, Onitsha and Nnewi in Anambra state, 236 questionnaires were returned. The findings showed that Perceived risk and Perceived cost have a negative influence on Behavioural Intention to adopt mobile payment among the informal sector. While Perceived ease of use, perceived usefulness and Perceived trust do not significantly influence Behavioural Intention to adopt mobile payment among the informal sector. The researcher therefore recommends that Mobile payment parties should ensure that they offer mobile payment service at cheap cost so that informal sector will feel convenient to use it as they are mostly price conscious. Anyaeneh Vivian Kamsoluchi | Rev. Prof. A. D. Nkamnebe "Mobile Payment System Adoption among Informal Sector in Anambra State" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43892.pdf Paper URL: https://www.ijtsrd.com/management/other/43892/mobile-payment-system-adoption-among-informal-sector-in-anambra-state/anyaeneh-vivian-kamsoluchi
A STUDY ON CONSUMER PERCEPTIONS TOWARDS DIGITAL FINANCE AND ITS IMPACT ON FIN...IAEME Publication
With today’s world progressing at a lightning pace, finance cannot afford to lag behind. Finance must become inclusive, dynamic and buoyant. In other words, finance must becomedigital. The genesis and rise of digital financial services is a remarkable global phenomenon. There is little doubt that the financial services industry, today, is one of the most digitized industries. This paper throws light on the adoption and perceptions of the urban Indian consumers, in the context of digitized financial services. The study focuses on the extent of acceptability, usage, beliefs, deterrents and incentive patterns among the Indians. Itsuggeststhat although the popularity of financial services provided digitally is growing in absolute terms in India, but the rate of growth is painfully slow, considering the huge potential that the country possesses.
Public enthusiasm regarding lending services using the current new method, namely peer to per
lending, has become the highest sector in the development of fintech in Indonesia. The purpose of this study was
to determine and analyze the intention of millennials generation in making transactions on peer to peer lending
applications. Researcher will review from factor perceived ease of use, perceived risk and add a moderating
variable is consumer attitude in
India is a fast becoming country of mobile and internet. Government of India initiative such as “Digital India”, in future our country will become cashless economy. Due to advancement of technology, man becomes more convenient and comfortable. Mobile Wallet is a platform for making payment through mobile. There are various
applications available like google pay, paytm citrus, etc. by using of such platforms payment can become more easy for online shopping, money transfer, utility bill payment, etc. Through mobile payment is very convenient and more secure to the public. Here, is an attempt to make a study on how the mobile wallet used by the consumers and their perception and satisfaction level towards using of such m-wallet payment gateways.
Predictors of Mobile Payment Adoption among Informal Sector in South East Nig...YogeshIJTSRD
Mobile phone has advanced to the extent that it has made life more comfortable and efficient. The comfort of being able to pay for goods and services from any point of transaction, using mobile payment system has become a vital issue as it saves a lot of time and the risks involved in carrying cash. However, Mobile payment system have not taken off as fast as expected especially in the Informal Sector in Nigeria. The slow adoption rate of mobile payment system raise many questions about what influences consumer behavioural intention to adopt. The main objective of this study was to ascertain the Predictors of Mobile Payment adoption among informal sector in South East Nigeria. The study adopted a survey research design and examined the constructs developed from the literature reviewed, which are Perceived Usefulness, Perceived Ease of Use, mobility, payment knowledge, Perceived cost, Perceived Trust and Perceived Risk as regards adoption of mobile payment system, which is supported by the extended Technology Acceptance Model TAM . The data for this study was collected using a structured questionnaire and out of the 665 questionnaire distributed to the mobile phone users, operating under the informal sector of the capital cities of the five states Abia=Umuahia Anambra=Awka Ebonyi=Abakiliki Enugu=Enugu Imo=Owerri that make up South East Nigeria, 484 questionnaires were returned. The findings showed that Perceived ease of use, Perceived usefulness, mobility, Perceived Trust and Perceived Risk significantly influence Behavioural Intention to adopt M payment by the informal sector. While M Payment knowledge and Perceived cost do not significantly influence Behavioural Intention to adopt M payment by the informal sector. The researcher therefore recommends that Mobile payment parties should ensure that they offer mobile payment service at cheap cost so that informal sector will feel convenient to use it as they are mostly price conscious. Anyaeneh Vivian Kamsoluchi | Prof. Irenus. C. Nwaizugbo "Predictors of Mobile Payment Adoption among Informal Sector in South-East Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd38707.pdf Paper URL: https://www.ijtsrd.com/management/marketing/38707/predictors-of-mobile-payment-adoption-among-informal-sector-in-southeast-nigeria/anyaeneh-vivian-kamsoluchi
“DIGITAL PAYMENT AND ITS INFLUENCE TO CUSTOMER CONVENIENCE”AJHSSR Journal
ABSTRACT: Digital Payment technologies have transformed the way we perform financial transactions over
the last decade. With the introduction of digital payment system, the landscape of business and consumer
behavior has radically changed. This change has not only given various benefits to business but has also a huge
influence on customer convenience. This research study investigated the perception of customers towards digital
payment as to E-Wallet, Mobile Banking and Debit/Credit card in relation to level of their convenience. This
study utilized a descriptive correlational research design with researcher made questionnaire used in gathering
data and information from the two hundred (200) respondents who were randomly selected from Zambales. The
researchers made use of Analysis of Variance (ANOVA) and Pearson Correlation Coefficient in measuring the
significant differences and relationship of the variables.Analyzed data revealed that the customer respondents
assessed “Strongly Agreed” on E-Wallet and Mobile Banking while “Agreed” on the Debit/Credit Card digital
payment. The customer respondents assessed “Strongly Agreed” on the level of customer convenience. There is
a positive moderate relationship between customer convenience and digital payment of E-wallet, Mobile
Banking and Debit/Credit Card respectively. There is significant difference on the perception towards
dimensions of digital payment as to E-wallet, Mobile Banking and Debit/Credit Card. Based on the results of the
study, the researchers strongly recommends the use of digital payment as a method of payment; conduct a
feasibility study on the attainment of full satisfaction and convenience of the customers; with the present
proliferation of various internet hacking and scam, the digital payment companies are encourage to continuously
provide high level of security to assure customer safety from fraud and deception.
KEY WORDS:digital payment, e-wallet, mobile banking, debit/credit card, customer convenience
The Scheduled castes, since old ages, have been victims of socio-economic exploitation and have been
relegated to low income generating occupations, inferior trades, unhygienic environment and unclean
menial occupations. Due to the stiff competition of the business and marketability traits dalit
entrepreneurs are facing problems. In India total number of enterprises amounted to 15,64,000 out of
this scheduled caste enterprises are 1,19,000. This article is focused on the Status of Dalit
Entrepreneurs in India, with reference to Micro Small and Medium Enterprises.
A Study on Problems faced by Beneficiaries in Availing Direct Benefit Transf...PARAMASIVANCHELLIAH
Direct benefit transfer is well known and reaching in all kind of people in India. It is one
of the initiatives of its kind and one of the largest junction and e-governance program being
implemented by GoI (Government of India) as it involves digitization of information,
rationalization and mechanization of processes and direct benefit transfer by Financial
Inclusion of all families. It covers each and every individual family and resident of the States.
There are some difficulties to reach the benefit to the real beneficiaries such as personal
problems, technology problems and financial problems. Successful implementation of any
program requires consistent and visible mechanisms for ensuring sanction of benefits by a single
office using a single and common dais. This paper made on attempts to analyse the problems
faced by the beneficiaries in availing direct benefit transfer
Entrepreneurial activities are the backbone to the industrial and socio-economic
development of the country which concentrates to promote employment, productivity and
flow of capital from one hand to another. Community-based entrepreneurial activities are
the indigenous business model in the country which resulted that each community or caste
has a unique entrepreneurial talent which shows their convention and commitment in a
particular employment activity. With this aspects, community based entrepreneurial
activities are the best model to explore their conventional entrepreneurial competence in to
a sustainable livelihood.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
AN EMPIRICAL INVESTIGATION OF UPI ADOPTION: USING TAM FRAMEWORK
1. Banking Innovation ISBN 978-93-93996-89-3 135
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AN EMPIRICAL INVESTIGATION OF UPI ADOPTION:
USING TAM FRAMEWORK
KIRAN MISHRA
Research Scholar
University of Calcutta, Kolkata, India
Abstract
UPI system combines various bank accounts, smooth transferring
of funds, and peer to peer or merchant payments under one roof,
allowing them to be accessed through a single mobile application
from any participating bank. The RBI and the government have a
strong desire to create an affordable, simple, trustworthy digital
method of payment for the vast majority of the nation, which is
where UPI's general significance comes from. The RBI and the
NPCI have worked incredibly hard to promote the ethos of
electronic payments. UPI transactions are growing more
frequently due to their ease, lack of expenditure, and other
factors. This study attempts to discover and investigate important
variables that influence the choice of whether to use UPI. To
examine user acceptance of UPI, the well-known theory of
Technology Acceptance Model (TAM) is utilized. This research
develops an empirical model for UPI acceptance. The proposed
hypothesis and the model are tested using survey data from
various users of UPI. The outcome of the data analysis
demonstrates that there is no statistically significant association
between users' perceived ease of use and behavioral intention
towards adoption of UPI. However, factors such as perceived
usefulness, perceived trust, and perceived risk have a significant
impact on the behavioral intention towards adoption of UPI.
Keywords: UPI, RBI, National Payments Corporation of India
(NPCI), User Acceptance, Technology Acceptance Model (TAM),
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Perceived Trust, Perceived Risk, Perceived Ease of Use,
Perceived Usefulness, Behavioral Intention.
Introduction
People are required to have a greater understanding of digital
financial transaction activities (Financial Technology) when using
payment gateways due to the rapid expansion of the technology
sector. E-commerce was started and developed first, prior to the
current development of financial technology innovation. Digital
financial transaction services were introduced in response to the
need for a quick and secure payment system [Sapturi, 2020].
With the introduction of the Unified Payment Interface (UPI),
India has made significant progress towards becoming a cashless
nation. With the new advanced payment system, you don’t need
to carry any cash or card. The instantaneous transfer and receipt
of money has also been made feasible. The Indian payment
system has been witnessed a drastic change in last few years as a
result of demonetization and technological upgradation. The
adoption of one click payment is influenced by the simple
accessibility of internet connections, one tap utilisation, and
security of financial transactions. Therefore, the Government of
India developed one significant product, the "UPI" (Unified
Payment Interface), to maximise this benefit of smart phones and
technology and to create a platform for cash-free and transparent
monetary transactions. Based on the IMPS technology, NPCI
developed the straightforward payment instrument known as UPI.
UPI functions as an email ID for money and can be used on a
smart phone. It operates with a single click and enables Virtual
Payment Address (VPA) as a payment identification for
transferring money [Indoria & Devi,2021]. Immediate Payment
Service (IMPS), which is used for money transfers, is the
foundation for UPI payment. It is accessible 24/7, including on
holidays, because it is a digital payment system. UPI withdraws
and deposits money immediately from the bank account whenever
a transaction is requested, in contrast to conventional mobile
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wallets, in which user need to deposit certain amount of cash in
their own accounts. It makes use of a Virtual Payment Address (a
special ID given by the bank), an Aadhaar number, an Account
Number with IFS Code, a phone number with Mobile Money
Identifier (MMID), or a single-use Virtual ID. Each payment must
be confirmed using a Personal Identification Number (PIN) for
mobile banking. There is disagreement among bankers on the
imposition of such fees because the decision to impose
transaction fees for UPI is left up to the banks as a policy matter.
The adoption of UPI, in the opinion of many bankers, will be
hampered by transaction fees [Patil, 2018].
Literature Reeview
Akhila Pai H (2018) investigated the usage, acceptability, and
likelihood of utilizing smartphones to conduct financial
transactions. Smart phones and internet access are becoming more
widely used, which has boosted the number of people using
digital wallets. The use of a digital wallet is becoming more and
more popular among consumers. Young people, including
employees and students, are becoming more and more
accustomed to using digital wallets. According to the report,
Paytm is the best wallet provider overall. Users using digital
wallets to make online payments are impacted by a number of
different issues. Security concerns are one of the key challenges,
which makes people concerned about the potential disclosure of
their private information. Therefore, the makers of digital wallets
must comprehend and live up to the trust and expectations of their
customers.
Thanh D. Nguyen & Phue A. Huynh (2018) stated that about
36.7% of the adoption of e-payments or the intention to use them
was explained by the model with a structural relationship among
these dimensions. It's interesting to note that the structural model
of e-payment adoption has prioritised perceived risk and trust
over perceived usefulness and usability, which is contrary to the
4. Banking Innovation ISBN 978-93-93996-89-3 138
IT adoption model. which go towards the theoretical
underpinnings of perceived risk, trust, and IT adoption.
Viral Bhatt & Falguni Prajapati (2018) found that Technical
Protections, Transaction Procedures, and Security Statements are
all proven to have a substantial impact on how secure consumers
believe electronic payment systems (EPS) to be. Additionally,
consumers' Trust is positively correlated with how secure they
feel. Additionally, the use of EPS is positively impacted by trust.
Although Trust has an indirect impact on the use of the e-payment
system, perceived security does so indirectly. From the standpoint
of the consumer, technical protection and transaction procedures
are crucial because they have an impact on perceived security,
which in turn influences trust in and access to e-payment systems.
Maan Aljawder & Amerah Abdulrazzaq (2019) found that the
majority of respondents stated they would use contactless
payment in the future. Users' intentions to embrace contactless
payment systems are significantly influenced by Trust, Privacy
and Security, and Awareness, but Ease of Use was not deemed to
be a critical consideration. Additionally, the study indicated that
intention to use contactless payments was highly associated with
the students' family income, with students with higher incomes
having a higher intention to use contactless payment. The
participants (students) did, however, have relatively low incomes.
The intention to implement contactless payments may be
impacted by this information. The study also discovered an
association between students' income and their intention to use
contactless payments.
Shilpa Katti & Amit Angadi (2020) discussed that the use of
digital wallets is increasing among Indian consumers. The study
was conducted to investigate consumer preference and
willingness. Three primary aspects, convenience, security, and
trust, were discovered to be the most crucial on the customer
acceptance of digital wallets after data from a questionnaire and
5. Banking Innovation ISBN 978-93-93996-89-3 139
analysis were obtained. The most used digital wallet among
consumers is Phonepe, followed by Google Pay.
Mohmed Y. Mohmed Al- Sabaawi et.al (2021) looked at the
variables affecting consumers' intent to utilise e-payment systems
in Iraq. To assess user trends towards e-payment systems, this
study also suggests an e-payment adoption model based on
technology usage patterns. The purpose of the study was to
analyse the beneficiary's intention to accept and use e-payment
systems by extending the UTAUT2 model. Techniques for
gathering and analysing quantitative data are employed.
According to the study's findings, the intention to accept the e-
payment system is influenced by performance expectations, effort
expectations, social influence, facilitating components, and price-
saving preferences. The desire to adopt the e-payment system is
also influenced by habit, technical security, trust, innovation
resistance, and psychological empowerment. However, adoption
of e-payment systems is unaffected by hedonic motivation or
perceived risk.
Paramasivan C & Ravichandiran G (2022), Technology is
one of the major parts of banking sector which decide the quality
and effectiveness of banking services. Inclusive banking services
to un banked people will be possible only with the help of
innovative business practices. With this view, this study will
provide an output to understand the impact of innovative business
practices of banking with respect to socio-economic development.
Hotlan Siagian et.al (2022) extended the TAM in their research
model and included variables such as the perceived ease of use,
perceived security, perceived usefulness, and trust in enhancing
the consumer's behavioural intent The degree of perceived
security has a direct impact on consumer trust and behaviour.
Consumer behavioural intention and perceived usefulness are
both directly impacted by perceived ease of use. Through trust,
perceived security indirectly affects consumer behavioural
intentions. Additionally, consumer behaviour intention is directly
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relied upon by perceived usefulness. Trust has a direct impact on
behaviour intention. Through perceived usefulness, perceived
ease of use indirectly influences consumer behavioural intention.
Furthermore, through trust, perceived security influences
consumer behavioural intention indirectly. Perceived usability
affects perceived value. Consumer behaviour intentions were not
indirectly influenced by perceived utility through trust. Last but
not least, perceived usability did not influence customer
behavioural intention through perceived trust and usefulness.
Manoj Kumar Goyal & Nikhil Monga (2022) concluded that
unified payment interfaces have revolutionised Indian banking
services. They have a few benefits, such as the ability to accept
payments anytime, anyplace, from their workplace, residence,
market, etc. The UPI system has made the payment method
highly time and money efficient. It does, however, come with
some drawbacks. While using the unified payment interface,
consumers continue to be concerned about data and financial loss.
The findings demonstrate a significant correlation between
location and level of awareness of unified payment interface.
Objectives
To identify all the variables that affect the behavioral
intention of consumers towards utilizing UPI.
To determine which of the factor has maximum influence on
the behavioral intention of consumers towards utilizing UPI.
To assess the relationship between all the variable which
affect consumer’s behavioral intention.
Research Model & Hypotheses
To investigate the adoption of UPI-based applications, the
Technology Adaption Model was employed as a framework.
According to TAM, users’ behavioural intentions, and actual
usage are all predicted by perceived usefulness and perceived
ease of use. The theory of TAM serve as the foundation for
developing the hypotheses, which is followed by the proposal of
the research model. Perceived Usefulness (PU), Perceived Risk
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(PR), Perceived Ease of Use (PEOU), and Perceived Usefulness
(PU) are the independent variables. Behavioral Intention (BI) of
the consumer towards usage of UPI is the dependent variable.
Fig 1: Conceptual Framework
Perceived Trust: People are continuously looking to adopt
strong-trust systems. In this regard, people's opinions towards
the adoption of e-payment are greatly influenced by the trust
factor. The majority of studies in this field have revealed a
strong and positive correlation between trust and intention.
The important element in this factor is that any impression
that the person will have about the system's unpredictability
will lead to its failure.
H01: Perceived Trust will not have significant influence on
consumer’s behavioral intention.
Perceived Risk: The risk factor is a crucial and basic problem
with how technology, including e-payment technologies, such
as UPI is accepted. The absence of risk should be the first
item to consider. Therefore, one of the key factors influencing
a user's decision to adopt UPI is their perception towards risk.
The user will have a favourable opinion of this technology
and be more likely to use e-payment if they believe that risks
are at the lowest possible levels.
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H02: Perceived Risk will not have significant impact on
consumer’s behavioral intention.
Perceived Ease of Use: People may discover that an
application is challenging to understand even when they think
utilizing it will increase their performance. Perceived Ease of
Use, a key component of TAM, examines how much users
believe a system is simple to operate, configure, or
understand. In general, lots of individuals are prepared to use
a payment system provided it can be used effortlessly. In
certain ways, UPI possesses these qualities. UPI applications
are categorized as being user-friendly, which may persuade
many individuals to utilize them because to their simplicity
and accuracy.
H03: Perceived Ease of Use will not have significant impact
on consumer’s behavioral intention.
Perceived Usefulness: One of the fundamental elements of
TAM is perceived usefulness, which can be understood as a
system's potential to improve a user's performance. In the
context of adopting UPI services, PU is defined as the degree
to which a person thinks using mobile payment services
would increase his or her efficiency and effectiveness while
making payments.
H04: There is no significant impact of Perceived Usefulness
on consumer’s behavioral intention.
Research Methodology
A closed-ended questionnaire was created to gather the data. The
questionnaire was divided into two different sections. With the
help of multiple-choice questions, the first portion's demographic
information section gathered broad information about the
respondents in order to support the study's objectives. The second
half has 23 questions with five distinct parameters based on the
suggested TAM. The responses were collected using a Likert
scale, where 1 equal "strongly agree" and 5 equals "strongly
disagree." Using Google Forms, an electronic tool, the
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questionnaire was sent to the targeted group using convenience
sampling technique. 200 people were included in the sample.
With the aid of SPSS 26 version, the analysis was carried out. For
the purpose of testing hypotheses, data were subjected to
appropriate statistical test using Cronbach’s Alpha, Correlation
Analysis and Multiple Regression Analysis.
Analysis & Interpretation
Reliability Test
Table 1: Reliability Statistics
Variables Cronbach’s Alpha N of Items
Perceived Trust 0.917 4
Perceived Risk 0.952 6
Perceived Ease of
Use
0.927 4
Perceived
Usefulness
0.956 5
Behavioral Intention 0.897 4
The Cronbach Alpha value is used to assess the dataset’s internal
consistency. It’s an easy approach to tell if your dataset is reliable
or not. Cronbach’s alpha values of 0.70, 0.80, and 0.90 are
regarded as good, better, and best, respectively. If the Cronbach’s
alpha value is 0.7 or higher, the dataset is deemed as reliable.
Table 1 shows the Cronbach’s alpha value for this investigation.
The values for all the variable are higher than 0.7 so the data can
be regarded as reliable.
Profile of the Respondents
Table 2: Demographic Profile
Demographic
Characteristics
Classification Frequency Percentage
Age Group Below 18 11 5.5
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18-25 59 29.5
26-35 71 35.5
Above 50 19 9.5
Total 200 100
Gender Male 94 47
Female 106 53
Total 200 100
Educational
Qualification
Under
graduate
36 18
Graduate 63 31.5
Post graduate 64 32
Doctorate 37 18.5
Total 200 100
Occupation Student 48 24
Service 98 49
Business 35 17.5
Housewife 19 9.5
Total 200 100
Monthly Income 0-20000 62 31
20001-50000 69 34.5
50001-80000 50 25
Above 80000 19 9.5
Total 200 100
Marital Status Unmarried 105 52.5
Married 93 46.5
Divorced 2 1
Total 200 100
Family Type Joint 54 27
Nuclear 132 66
Extended 14 7
Total 200 100
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Table 2 shows that majority of the respondents i.e., 53% are
female and remaining 47% are male respondents. About 35% of
the respondents are from the age group of 26-35 years. Majority
of the respondents are graduate and post graduate nearly 61.5%
and 62% respectively. Nearly 34.5% of respondents’ monthly
income is between Rs.20,001-50000, 31% respondents’ monthly
income is between 0-20,000, 25% respondents’ monthly income
is between Rs. 50001-80000, and only 9% respondents’ monthly
income is above Rs. 80,000. Most of the respondents relates to
service background. Majority of the respondents are unmarried
with nearly 52.5%, married with 46.5% and only 1% of them are
divorced. Majority of them around 66% belongs from nuclear
family, 27% from joint family and very few only about 7% from
extended family background.
Correlation Analysis
Table 3: Correlations
Perceiv
ed
Trust
Perceiv
ed
Risk
Perceiv
ed
Ease of
Use
Perceiv
ed
Usefuln
ess
Behavio
ral
Intentio
n
Perceiv
ed Trust
Pearson
Correlat
ion
1 .576**
.626**
.485**
.570**
Sig. (2-
tailed)
.000 .000 .000 .000
N 200 200 200 200 200
Perceiv
ed Risk
Pearson
Correlat
ion
.576**
1 .434**
.321**
.436**
Sig. (2-
tailed)
.000 .000 .000 .000
N 200 200 200 200 200
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Perceiv
ed Ease
of Use
Pearson
Correlat
ion
.626**
.434**
1 .730**
.592**
Sig. (2-
tailed)
.000 .000 .000 .000
N 200 200 200 200 200
Perceiv
ed
Usefuln
ess
Pearson
Correlat
ion
.485**
.321**
.730**
1 .675**
Sig. (2-
tailed)
.000 .000 .000 .000
N 200 200 200 200 200
Behavio
ral
Intentio
n
Pearson
Correlat
ion
.570**
.436**
.592**
.675**
1
Sig. (2-
tailed)
.000 .000 .000 .000
N 200 200 200 200 200
**. Correlation is significant at the 0.01 level (2-tailed).
The Table 3 shows the correlation among all the variables. For
this research, Pearson's The dataset was correlated, which
generates a coefficient, r, that assesses the strength of the linear
relationships between the pairs of variables. This correlation's
range is from -1 to +1. Perfectly negative correlation is
represented by a correlation of -1, completely zero by a
correlation of 0, and perfectly positive correlation by a correlation
of 1. This is the correlation's associated p-value. The significance
level for the correlation is described in the footer note. Perceived
Trust and Behavioral Intention have a statistically significant
association, as shown by the correlation coefficient between them,
which is 57% with a p-value of 0.000. The correlation coefficient
between Perceived Risk and Behavioral Intention is 43.6%, with a
13. Banking Innovation ISBN 978-93-93996-89-3 147
p-value of 0.000, indicating that the two variables are
significantly related. Behavioral Intention and Perceived Ease of
Use are statistically correlated with a correlation coefficient of
59.2% and a p-value of 0.000, respectively, indicating a
significant relationship between the two. With a correlation
coefficient between Behavioral Intention and Perceived
Usefulness of 67.5% and a p-value of 0.000, it can be concluded
that there is a statistically significant association between the two.
There is maximum positive and significant relationship between
Perceived Ease of Use and Perceived Usefulness (i.e., 0.730) and
minimum positive and significant relationship between Perceived
Risk and Perceived Usefulness (i.e., 0.321). All the factors are
inter correlated among themselves and has positive and
significant relationship with each other.
Regression Analysis
Table 4: Model Summaryb
Model R R Square
Adjusted R
Square
Std. Error of
the Estimate
1 .738a
.544 .535 3.14465
a. Predictors: (Constant), Perceived Usefulness, Perceived Risk,
Perceived Trust, Perceived Ease of Use
b. Dependent Variable: Behavioral Intention
Based on the table 4, the summary model's R-value was 0.738. It
displays a high association between all the variables and
consumers’ behavioral intention to use UPI. It can be observed
from the previous table of the most recent summary model that
the adjusted R2
(R Square) value is 0.544, or 54.4%. All the
factors have a 54.4% significance on consumers’ behavioral
intention, but additional factors that were not studied here had a
45.6% significance.
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Table 5: ANOVAa
Model
Sum of
Squares df
Mean
Square F Sig.
1 Regression 2301.257 4 575.314 58.178 .000b
Residual 1928.323 195 9.889
Total 4229.580 199
a. Dependent Variable: Behavioral Intention
b. Predictors: (Constant), Perceived Usefulness, Perceived Risk,
Perceived Trust, Perceived Ease of Use
F-value is 58.178 and p-value is 0.000 in the ANOVA table,
meaning that together all the factors have a significant effect on
the consumers’ behavioral intention to use UPI. The analysis can
therefore be deemed statistically significant because the F-value is
larger than 4 and the p-value is less than 0.05.
Multiple Regression Analysis is used here to analyse the influence
of perceived trust (PT), perceived risk (PR), perceived ease of use
(PEU), and perceived usefulness (PU) have a significant impact
on the behavioral intention towards utilizing UPI. The results are
shown in below mentioned table.
Table 6: Coefficientsa
Unstandardi
zed
Coefficients
Standar
dized
Coeffici
ents
Mode
l
B Std.
Erro
r
Beta t Sig. Hypothe
sis
Result
(Const
ant)
1.90
0
.644 2.951 .004
Percei
ved
Trust
.222 .063 .242 3.506 .001 H01 Reject
ed
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(PT)
Percei
ved
Risk
(PR)
.078 .036 .128 2.154 .032 H02 Reject
ed
Percei
ved
Ease
of Use
(PEU)
.015 .077 .015 .191 .849 H03 Accept
ed
Percei
ved
Useful
ness
(PU)
.376 .053 .506 7.133 .000 H04 Reject
ed
a. Dependent Variable: Behavioral Intention
Perceived Trust, Perceived Risk & Perceived Usefulness have a
positive but significant impact of 22.2%, 7.8% and 37.6%
respectively on Behavioral Intention, according to its beta value
of 0.222, 0.078 and 0.376, t-value of 3.506, 2.154 and 7.133 and
p-value of 0.001, 0.032 and 0.000 respectively. Perceived Ease of
Use has a beta value of 0.015 with a t-value of 0.191 and p-value
of 0.849, indicating that it has a positive but insignificant impact
of 1.5% on Behavioral Intention. For Perceived Trust, Perceived
Risk & Perceived Usefulness the significance values are less than
0.05 and t-values are greater than +/-1.96 so here we can reject
the null hypothesis (H01, H02, and H04) while for Perceived Ease
of Use the significance value is greater than 0.05 and t- value is
less than +/-1.96 so we accept the null hypothesis (H03). The
weighting of the variables is shown by the beta value. The greater
the link between the independent and dependent variables, the
higher the beta value. From the above table it is seen that beta
value of Perceived Usefulness is 0.376, which is maximum
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among all the factors. So, we can conclude that Perceived
Usefulness has the maximum influence on Behavioral Intention.
Conclusion
The purpose of this study is to gain insight into consumers'
behavioral intention towards adoption of UPI and the variables
that influence or drive those emotions. According to study that
was conducted using a sample size that was remarkably
representative, consumers frequently engage in utilising UPI. The
major factors analysed in the study are Perceived Trust, Perceived
Risk, Perceived Ease of Use & Perceived Usefulness. All the
factors are significantly associated with each other. All the factors
except Perceived Ease of Use have a significant impact on
consumers’ behavioral intention to use UPI. In the study three out
of four hypotheses were rejected. With help of the above result, it
can be concluded that perceived usefulness has maximum
influence on consumers’ behavioral intention towards adoption of
UPI which indicates people find UPI useful and convenient for
making day to day payments or transfer of funds.
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