Critical Factors of Mobile Payment Usage in the Unorganized Retail Sector in Kerala
Year: 2025
Type: article
Study design: Observational Study
Abstract: Mobile payment is gaining prominence worldwide, from consumers to vendors as a substitute to using money, debit or credit cards. This study intends to examine the significant and insignificant factors determining actual usage of m-payments among the unorganised retail vendors. The data was collected from 281 vendors using a structured questionnaire and SEM analysis explained 64.8% of actual usage. The study found that certain psychological beliefs and sentiments of vendors hinders the m-payment adoption. For researchers this study would provide a much deeper understanding of vendor adoption model as mostly all the studies have focused on customer adoption model.
Authors: Nisha K. Kumar, Anitha S. Yadav
Institution: Presidency University
Language: English
Subfield: Information Systems and Management
Field: Decision Sciences
Domain: Social Sciences
Open Access status: diamond
OpenAlex ID: W4413358551