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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM67824
Volume:
10 |
10 |
Oct 2026
Pages:
1-9
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Commerce
Nirwan University Jaipur
Commerce
Nirwan University Jaipur
The digital payment systems have come to be an important part of the Indian retail payment landscape, yet their adoption and continuous use could be influenced by people’s technology beliefs, trust, risk perception, the enabling infrastructure and consumers’ capability. This empirical study aims at determining the factors influencing consumers' adoption and continued use of digital payment systems in Rajasthan within an extended Unified Theory of Acceptance and Use of Technology model. An artificial dataset of 400 consumer profiles was created in order to illustrate the proposed survey and analytical procedures. The questionnaire comprised 5-points Likert scale statements concerning performance expectancy, effort expectancy, social influence, facilitating conditions, trust, perceived security, risk perception, grievance redressal, digital financial literacy and behavioral intentions. Descriptive statistics, Cronbach's alpha, Pearson correlations, multiple regression, Welch's t-test and one-way ANOVA were employed. Among the artificial respondents, 66.0% were categorized as current users of digital payment systems and the popular mode was UPI. The scale reliability ranged from .748 to .798. The behavioral-intention theory accounted for 36.6% of variance with performance expectancy, effort expectancy, social influence, facilitating conditions, trust, and digital financial literacy as significant variables while perceived risk was negatively significant and grievance redressal did not have any impact on the model. The usage theory accounted for 37.7% of variance with behavioral intention, facilitating conditions, and digital financial literacy being significant. The urban users scored more in terms of simulated usage.
KEYWORDS
From the findings of the research, it is clear that the adoption and acceptance of the digital payment methods in Rajasthan are influenced by technology, institutional and individual characteristics. The performance expectation, ease of use, trust, facilitating condition, and digital financial literacy have been found to be very important in shaping the behavior and use of the consumers, while perceived risks have been identified to have negative influence on adoption. Behavioral intention, appropriate infrastructure, and digital financial literacy are among the most important factors that would promote usage.
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Publication Date
10/21/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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The authors declare no conflict of interest related to this research work.
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