IDEAS home Printed from https://ideas.repec.org/a/ids/ijelfi/v15y2026i3p347-365.html

An empirical study on consumer attitude and intention to adopt digital payment in India

Author

Listed:
  • Neha Mehta
  • Sweety Shah

Abstract

Digital payment has proliferated due to pervasive telecommunications infrastructure, internet connectivity, and technology adoption. With recent government moves, India's digital payment system might be a success tale for emerging economies. The current study uses the unified theory of acceptance and use of technology (UTAUT) to determine the elements that drive digital payment adoption in India. Primary data were acquired from 412 Indian respondents using a structured questionnaire. The data was analysed using AMOS structural equation modelling (SEM) that indicated that performance expectancy and effort expectancy positively affect the attitude towards technology of an individual, leading to behavioural intention. The facilitating conditions are another important contributor that impacts behavioural intentions. The moderating factors of age and income suggest that younger consumers with higher incomes are more likely to embrace digital financial transactions. This study helps economists, policymakers, and digital payment service providers understand digital payment system usage.

Suggested Citation

  • Neha Mehta & Sweety Shah, 2026. "An empirical study on consumer attitude and intention to adopt digital payment in India," International Journal of Electronic Finance, Inderscience Enterprises Ltd, vol. 15(3), pages 347-365.
    • Handle: RePEc:ids:ijelfi:v:15:y:2026:i:3:p:347-365
    as

    Download full text from publisher

    File URL: https://www.inderscience.com/link.php?id=154922
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to

    for a different version of it.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ids:ijelfi:v:15:y:2026:i:3:p:347-365. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sarah Parker (email available below). General contact details of provider: http://www.inderscience.com/browse/index.php?journalID=171 .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.