Examining the Underlying Factors Influencing E-Payment Adoption Intentions among Learners in Indian Management Colleges
Author : Agrima Menon and Harneet Singh
Abstract :
The study aimed to identify the factors influencing E-payment adoption intention among students of management colleges of India. The study also aimed to establish association of these identified factors with intention to adopt E-payment system by students. The present study is based on primary information for which data was collected through well-structured questionnaire. This study identified various factors influencing E-payment adoption intention with extensive literature review. Further, the association of these factors with E-payment adoption intention was found using structural equation modeling approach (SEM) with the help of IBM-AMOS-20V. The findings indicate that while the perceived usefulness of the platform did not significantly affect the intention to use it, the ease of use was a key factor in predicting this intention. Furthermore, the results are indicated a strong and affirmative connection between the inclination to utilize an E-payment system and technical self-efficacy, internet experience, and technical assistance. Boosting students' confidence in their technical skills and providing technical support will enhance their perceptions of the advantages and user-friendliness of an online payment platform. A few of the model's shortcomings need to be filled in and haven't received enough attention in earlier research. Financial institutions and online payment environment developers should establish systems to guarantee that students have access to internet, user-friendly IT software, and technical assistance when experiencing difficulties with online payment. The results of this research article will be useful for educators, research scholars, and college management and for the whole digital system of India.
Keywords :
Technical self-efficacy, internet connectivity, perceived usefulness, technical support.
