• Critical success factors of the digital payment infrastructure for developing economies

      Singh, N.K.; Sahu, G.P.; Rana, Nripendra P.; Patil, P.P.; Gupta, B. (2019-01)
      This paper studies the Critical Success Factors’ (CSFs) for the adoption of Digital Payment System in India. There are few studies about the literature on CSFs for the adoption of the digital payment system in the Indian context. This study is an attempt to cover this gap. In this study, we reviewed the theories for adoption model at the individual level used in Information System (IS) and discussed four technology model including “Technology Acceptance Model” (TAM). Ten factors have been identified with extensive literature review and review of selected models namely; Perceived Ease of Use, Perceived functional benefits, Awareness, Availability of Resources, Government as a policy maker, Performance Expectancy, Social Influence, Price Value, Experience & Habit, and Risk-taking ability. An expert from academic industry has been taken as a reviewer or consultant of the selected variables. The CSFs may ensure that they are the predictors and the important factors for adoption of digital payments system in India. The study mainly uses the deductive approach to consider the primary and secondary sources of data. The analyses of these models take into account through Interpretive Structural Modeling (ISM) methodology and develop a model for effective adoption of Digital Payment System in India. The paper also makes future recommendations for further research studies.
    • Digital payments adoption research: A meta-analysis for generalising the effects of attitude, cost, innovativeness, mobility and price value on behavioural intention

      Patil, P.P.; Rana, Nripendra P.; Dwivedi, Y.K. (2019-01)
      The rapid evolution of mobile-based technologies and applications has led to the development of several different forms of digital payment methods (DPMs) but with limited enthusiasm in consumers for adopting them. Hence, several academic studies have already been conducted to examine the role of various antecedents that determines consumers’ intention to adopt DPMs. The degree of effect and significance of several antecedents found to be inconsistent across different studies. This provided us a basis for undertaking a meta-analysis of existing research for estimating the cumulative effect of such antecedents. Therefore, this study aims to perform a meta-analysis of five antecedents (i.e. attitude, cost, mobility, price value and innovativeness) for confirming their overall influence on intentions to adopt DPMs. The results of this study suggest that the cumulative effect of four out of five antecedents found to be significant while influence of price value was found insignificant on behavioural intentions. The recommendations drawn from this research would help to decide if and when to use such antecedents for predicting consumer intention to adopt DPMs.
    • Mobile app stores from the user's perspectives

      Baabdullah, A.M.; Alalwan, A.A.; Rana, Nripendra P.; Shraah, A.A.; Kizgin, Hatice; Patil, P.P. (2019-05)
      The use of smartphones has become more prevalent in light of the boom in Internet services and Web 2.0 applications. Mobile stores (e.g., Apple’s App Store and Google Play) have been increasingly used by mobile users worldwide to download or purchase different kinds of applications. This has prompted mobile app practitioners to reconsider their mobile app stores in terms of design, features and functions in order to maintain their customers’ loyalty. Due to the lack of research on this context, this study aims to identify factors that may affect users’ satisfaction and continued intention toward using mobile stores. The proposed model includes various factors derived from information systems literature (i.e., usefulness, ease of use, perceived cost, privacy and security concerns) in addition to the dimensions of mobile interactivity (i.e. active control, mobility, and responsiveness). The study sets out 13 hypotheses that include mediating relationships (e.g., perceived usefulness mediates the influence of ease of use, active control, responsiveness and mobility; perceived ease of use mediates the influence of active control). As well as outlining the proposed research method, the research contributions, limitations and future research recommendations are also addressed.