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Antecedents of the Barriers Toward the Adoption of Unified Payment Interface

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Re-imagining Diffusion and Adoption of Information Technology and Systems: A Continuing Conversation (TDIT 2020)

Part of the book series: IFIP Advances in Information and Communication Technology ((IFIPAICT,volume 618))

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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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Author information

Authors and Affiliations

  1. Woxsen University, Hyderabad, 502345, Telangana, India

    Sayantan Khanra

  2. Indian Institute of Management Rohtak, Rohtak, 124010, Haryana, India

    Sayantan Khanra & Rojers P. Joseph

  3. University of Agder, Kristiansand, 4630, Norway

    Amandeep Dhir

  4. Lappeenranta University of Technology, Lappeenranta, 53850, Finland

    Amandeep Dhir

  5. University of Bergen, Bergen, 5007, Norway

    Puneet Kaur

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  1. Sayantan Khanra
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  2. Rojers P. Joseph
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  3. Amandeep Dhir
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  4. Puneet Kaur
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Correspondence to Sayantan Khanra .

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Editors and Affiliations

  1. Indian Institute of Management Tiruchirappalli, Tiruchirappalli, India

    Sujeet K. Sharma

  2. Swansea University, Swansea, UK

    Yogesh K. Dwivedi

  3. Indian Institute of Management Nagpur, Nagpur, India

    Bhimaraya Metri

  4. University of Bradford, Bradford, UK

    Nripendra P. Rana

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Khanra, S., Joseph, R.P., Dhir, A., Kaur, P. (2020). Antecedents of the Barriers Toward the Adoption of Unified Payment Interface. In: Sharma, S.K., Dwivedi, Y.K., Metri, B., Rana, N.P. (eds) Re-imagining Diffusion and Adoption of Information Technology and Systems: A Continuing Conversation. TDIT 2020. IFIP Advances in Information and Communication Technology, vol 618. Springer, Cham. https://doi.org/10.1007/978-3-030-64861-9_53

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  • DOI: https://doi.org/10.1007/978-3-030-64861-9_53

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