The Role of Yono for Every India: Attitudes and Adoption as UPI Payment Method
Author : Adarsna JN and Dr. A Pankajam
Abstract :
This study explores the role of SBI’s YONO in influencing the adoption of UPI payments using the Technology Acceptance Model (TAM). The research aims to evaluate key factors such as Perceived Ease of Use, Perceived Usefulness, Behavioural Intention to Use, and Challenges Faced in shaping user attitudes and adoption behaviour. A quantitative research approach was used, gathering data from 243 State Bank of India YONO users through an online survey. The collected responses were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM) to determine the relationships between these constructs. The findings indicate that Perceived Ease of Use, Perceived Usefulness, and Behavioural Intention to Use significantly influence Attitude and Adoption, confirming that users are more likely to adopt State Bank of India YONO based on its usability and perceived benefits. Behavioural and Demographic Patterns and Challenges Faced have minimal impact, suggesting that demographic differences and challenges do not play a crucial role in adoption. These insights emphasize the need for financial regulators and industry leaders to enhance digital banking platforms' usability and functionality. Improving accessibility, security, and ease of transactions, can further encourage a secure and seamless Unified Payments Interface attitude and adoption, strengthening the digital payment ecosystem.
Keywords :
UPI adoption, SBI YONO, Technology Acceptance Model, Perceived Ease of Use, Digital banking.
