Extending Digital Payment System Adoption to Satisfaction: Empirical Evidence from Indian Rural Households

Geetha. K and K. Kanniammal

The Review of Finance and Banking, 2023, vol. 15, issue 2, 149-168

Abstract: Digital payment systems are expanding quickly, but they are still not widely accepted, particularly in developing countries. Few academics have, however, examined this topic in the context of emerging nations. The purpose of this study is to identify the characteristics that influence rural households' adoption of digital payment systems and their subsequent satisfaction. A solid integrated research model has been built to achieve this goal based on some reliable ideas. The research findings imply that the components related to the technology acceptance model and the unified theory of acceptance and use of technology withstand in this study are the most often investigated constructs for predicting consumers' behavioral intention to utilize digital payment systems. This study shows that the most widely looked-at behavioral predictors of users’ intention to use digital payment systems such as perceived usefulness, perceived ease of use, social influence, and facilitating conditions are domineering. The integrated model tracked how behavioral intention to use the digital payment system mediated the association between facilitating conditions and satisfaction. The output generated from the study can be used by banks and other providers of digital financial services to review and enhance their current business models.

Date: 2023
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