IDEAS home Printed from https://ideas.repec.org/a/taf/tjisxx/v31y2022i1p74-90.html
   My bibliography  Save this article

Merchants’ adoption of mobile payment in emerging economies: the case of unorganised retailers in India

Author

Listed:
  • Vishal Mishra
  • Isabelle Walsh
  • Ankur Srivastava

Abstract

A substantial body of literature shows that in addition to increased convenience, mobile payments may result in greater efficiency and contribute to digital and financial inclusion. Although researchers have paid a lot of attention to individual adoption of mobile payment, few studies investigate mobile adoption by businesses, especially unorganised businesses in developing countries. To address this research gap, we use an exploratory grounded theory approach to examine unorganised retailers in urban India. Using 56 semi-structured interviews with merchants, we highlight an emerging mobile payment ecosystem that includes technology value, regulatory bodies, non-regulatory bodies, and merchant dispositions. The data highlight power asymmetry in this ecosystem and show that time-varying interactions among its components determine merchants’ behaviour and resulting (non-) adoption. We find that not only are Indian regulatory bodies the most powerful influencers in the diffusion of this technology; they are also important market actors. This study provides insights into the process of technology adoption by unorganised businesses in India. Moreover, this study sheds light on the important link unorganised retailers create between businesses and bottom-of-the-pyramid consumers, as well as between the state and its marginalised citizens, thereby confirming that such retailers are indispensable partners in economic growth and technology-driven inclusion.

Suggested Citation

  • Vishal Mishra & Isabelle Walsh & Ankur Srivastava, 2022. "Merchants’ adoption of mobile payment in emerging economies: the case of unorganised retailers in India," European Journal of Information Systems, Taylor & Francis Journals, vol. 31(1), pages 74-90, January.
  • Handle: RePEc:taf:tjisxx:v:31:y:2022:i:1:p:74-90
    DOI: 10.1080/0960085X.2021.1978338
    as

    Download full text from publisher

    File URL: http://hdl.handle.net/10.1080/0960085X.2021.1978338
    Download Restriction: Access to full text is restricted to subscribers.

    File URL: https://libkey.io/10.1080/0960085X.2021.1978338?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Tiwari, Sunil & Sharma, Pankaj & Jha, Ashish Kumar, 2024. "Digitalization & Covid-19: An institutional-contingency theoretic analysis of supply chain digitalization," International Journal of Production Economics, Elsevier, vol. 267(C).
    2. Neena Sinha & Nidhi Singh, 2023. "Moderating and mediating effect of perceived experience on merchant's behavioral intention to use mobile payments services," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(3), pages 448-465, September.

    More about this item

    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:taf:tjisxx:v:31:y:2022:i:1:p:74-90. 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: Chris Longhurst (email available below). General contact details of provider: http://www.tandfonline.com/tjis .

    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.