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Critical Factors of Mobile Payment Usage in the Unorganized Retail Sector in Kerala

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  • Nisha K. Kumar
  • Anitha S. Yadav

Abstract

Mobile payment is gaining prominence worldwide, from consumers to vendors as a substitute to using money, debit or credit cards. This study intends to examine the significant and insignificant factors determining actual usage of m-payments among the unorganised retail vendors. The data was collected from 281 vendors using a structured questionnaire and SEM analysis explained 64.8% of actual usage. The study found that certain psychological beliefs and sentiments of vendors hinders the m-payment adoption. For researchers this study would provide a much deeper understanding of vendor adoption model as mostly all the studies have focused on customer adoption model.

Suggested Citation

  • Nisha K. Kumar & Anitha S. Yadav, 2025. "Critical Factors of Mobile Payment Usage in the Unorganized Retail Sector in Kerala," Vikalpa: The Journal for Decision Makers, , vol. 50(4), pages 351-388, December.
    • Handle: RePEc:sae:vikjou:v:50:y:2025:i:4:p:351-388
    DOI: 10.1177/02560909251357663
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