User’s Continuance Intention Towards Digital Payments: An Integrated Tripod Model DOI, TAM, TCT

Technology advancement have revolutionalised the financial service sector. Digital payment have motivating paperless, faceless and cash less transactions strengthening the country’s economic growth. Access to financial services is deemed as one among the key factors to socioeconomic resilience in the pandemic period. Pandemic has catalysed the access and usage of financial services across the world transforming the way people made and received payments or borrowed and saved. Experts predicted that epidemic has accelerated adoption of digital platforms at rapid speed and repetitive usage could lead to continuance usage, but there is lack of study in discussing the motivators that leads to user’s continuance intention. Hence, the study aims to undertake an empirical analysis and synthesise the users continuance usage of digital payments post pandemic with integration of tripod theories, namely technology acceptance model (TAM), Technology continuance model (TCT) and Diffusion of Innovation (DOI). Factors like perceived usefulness, perceived ease of use, confirmation, Compatibility, and trialability as the functions of satisfaction and continuance intention were considered. The study followed a quantitative research design approach, using a survey method data was collected from 250 respondents in Bengaluru. The research model was tested using SEM analysis. The findings of the study reveal that all the factors have a positive association with the user’s intention to continue using digital payments.