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2020 | OriginalPaper | Chapter

Antecedents of the Barriers Toward the Adoption of Unified Payment Interface

Authors : Sayantan Khanra, Rojers P. Joseph, Amandeep Dhir, Puneet Kaur

Published in: Re-imagining Diffusion and Adoption of Information Technology and Systems: A Continuing Conversation

Publisher: Springer International Publishing

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Abstract

This study examines the influence of factors related to consumer resistance on the intention to continue using the Unified Payment Interface (UPI) for electronic payments. UPI facilitates advanced, peer-to-peer, immediate payment with seamless interoperability among banks in India. The study extends the innovation resistance theory by including two behavioral measures - privacy concerns and visibility - and two moderators - security concerns and word of mouth (WOM). It used cross-sectional data collected from 714 UPI users aged between 16 and 55 years to test the proposed research model. The findings suggest that privacy concerns and usage barrier are the two crucial factors to be addressed for breaking down consumer resistance towards continuing usage of UPI. The other significant factors are image barrier and visibility. In addition, security concerns and WOM are found to partially moderate the influences on the associations between the key variables and continuing usage of UPI.

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Title: Antecedents of the Barriers Toward the Adoption of Unified Payment Interface
Authors: Sayantan Khanra
Rojers P. Joseph
Amandeep Dhir
Puneet Kaur
Publisher: Springer International Publishing
Book: Re-imagining Diffusion and Adoption of Information Technology and Systems: A Continuing Conversation
Print ISBN: 978-3-030-64860-2

Electronic ISBN: 978-3-030-64861-9

Copyright Year: 2020
DOI: https://doi.org/10.1007/978-3-030-64861-9_53

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