A Study On Drivers Influencing The Adoption Of Mobile Wallets For E-Payments Among Indian Users

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Mrs. Navita Roy and Prof. J. K Tandon


The Internet and technological advancements have changed the way financial services are provided and used. The demand for m-wallets has continued during the last few years, particularly since the onset of the pandemic. Based on the TAM, UTAUT model, and other factors such as security issues and trust, this study attempts to develop and examine a conceptual framework for the adoption and use of m-wallet technology by end-users in India. The aim is to identify the drivers influencing user attitudes and intentions for the adoption of m-payments. The study analyzed the results of an online survey of 254 Indian citizens, showing that users’ attitude and intention are influenced by all identified drivers (i.e., “perceived usefulness”, “perceived ease of use”, “facilitating conditions”, “lifestyle compatibility”, “safety issues”, and “trust”). The empirical findings of this study support and extend the extant literature on the acceptance and adoption of m-payment technology and are vital to banks, merchants, service providers, and application developers to ameliorate their technical strategies and the service quality of their mobile wallets.

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