research paper on mobile payment apps

A review of contextual factors affecting mobile payment adoption and use

• Original Article
• Published: 10 January 2019
• Volume 3 , pages 43–57, ( 2019 )

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• Abhipsa Pal 1 ,
• Rahul De’ 1 ,
• Tejaswini Herath 2 &
• H. Raghav Rao 3  

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Research on mobile payments is a flourishing area in information systems. An in-depth review of the literature reveals that a majority of studies frequently use existing theoretical models of IT adoption and usage, but do not extend the investigation further into other theories that could offer new contextually relevant variables. We identify some contextual variables missing in the extant research models. Starting from November 2016, India witnessed a number of events: demonetization, followed by low-cost Internet made available by a service provider, discounts and cash benefit offers by competing wallet companies, and related government regulations. Motivated by these events, we recognized the importance of contextual factors for technology usage and adoption. Drawing from management theories, we identified and classified factors from 79 relevant papers, and then developed a framework that included contextual variables—both environmental and cultural facilitators and barriers. This paper is useful for understanding the research trends in current mobile banking literature along with implications for future research and practice.

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Abhipsa Pal & Rahul De’

Department of Finance, Operations and Information Systems, Goodman School of Business, Brock University, Niagara Region, Canada

Tejaswini Herath

Department of Information Systems and Cyber Security, College of Business, The University of Texas at San Antonio, San Antonio, TX, USA

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Pal, A., De’, R., Herath, T. et al. A review of contextual factors affecting mobile payment adoption and use. J BANK FINANC TECHNOL 3 , 43–57 (2019). https://doi.org/10.1007/s42786-018-00005-3

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DOI : https://doi.org/10.1007/s42786-018-00005-3

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• Surani A Bawaked A Wheeler M kelsey B Roberts N Vincent D Das S (2023) Security and Privacy of Digital Mental Health: An Analysis of Web Services and Mobile Apps SSRN Electronic Journal 10.2139/ssrn.4469981 Online publication date: 2023 https://doi.org/10.2139/ssrn.4469981
• Kim J Park J Oakley I (2023) SonarAuth: Using Around Device Sensing to Improve Smartwatch Behavioral Biometrics Adjunct Proceedings of the 2023 ACM International Joint Conference on Pervasive and Ubiquitous Computing & the 2023 ACM International Symposium on Wearable Computing 10.1145/3594739.3610696 (83-87) Online publication date: 8-Oct-2023 https://dl.acm.org/doi/10.1145/3594739.3610696

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A Study on Adoption of Digital Payment Through Mobile Payment Application With Reference to Gujarat State

International Journal of Trend in Scientific Research and Development, 2020

6 Pages Posted: 22 Jul 2020

Shivam Tripathi

Lakulish Yoga University; GLS University

Date Written: April 25, 2020

The trend of digital payments has been increased rapidly in recent years with the development of the Internet and due to the easy accessibility of Internet usage. Easy access to the Internet has driven consumers to use mobile payment applications for digital payment. India has internet users base about 546.5 million as of 2020 about 40% of the population. This number is the second largest in the world behind China. A maximum business organization running with the technological changes, due to globalization they are focusing more on meeting the needs of the consumers. We have also decided to study the consumer's attitude towards usage of mobile payment applications, especially the factors influencing the user for using mobile payment applications, and information about factors which played a role as barriers during usage of the mobile payment application. The population of the study is selected from the Gujarat state of the country. The sample size is 100 and we have used a convenient sampling method for the study. Our findings indicate that in the demographic information profession of the respondents not at all important in the decision-making process, whereas it is also concluded that elderly people are not at all attracted to use mobile payment applications for digital payments and education, undergraduate and postgraduates are more attracted towards mobile payment application. The research has also found that factors such as saves time, cashback and discounts, convenience, detailed records, reduced theft risk, track your spendings, and creating a cashless economy influence consumer’s attitudes towards mobile payment applications. The research also indicates some factors as barriers to the consumers towards mobile payment applications such as transaction charges, don’t know how to use, Digital Payments are not accepted everywhere, transparency, habit, and trust. It is expected that this study will help in India to plan successful strategies for increasing the use of mobile payment applications and they can build better relations with consumers.

Keywords: Digital Payment, Mobile Payment Application, UPI, Cashless Economy

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Lakulish yoga university ( email ).

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