Naveen Singh - Academia.edu (original) (raw)
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Papers by Naveen Singh
Buletin ekonomi moneter dan perbankan, Mar 23, 2022
The COVID-19 induced lockdown in India was an inflection point for on-boarding of new users into ... more The COVID-19 induced lockdown in India was an inflection point for on-boarding of new users into digital payments. Using a large survey dataset, we examine the driving factors of this shift for those who used digital payments for the first time. Apart from demographic drivers of payment choice traditionally explored in the literature, we find that this shift was significantly shaped by the degree of awareness of digital modes, access to smartphones and debit cards, and pandemic-relief welfare transfers. Users who had abandoned digital payments due to prior bad experience switched back to such modes.
Buletin ekonomi moneter dan perbankan, Mar 23, 2022
The COVID-19 induced lockdown in India was an inflection point for on-boarding of new users into ... more The COVID-19 induced lockdown in India was an inflection point for on-boarding of new users into digital payments. Using a large survey dataset, we examine the driving factors of this shift for those who used digital payments for the first time. Apart from demographic drivers of payment choice traditionally explored in the literature, we find that this shift was significantly shaped by the degree of awareness of digital modes, access to smartphones and debit cards, and pandemic-relief welfare transfers. Users who had abandoned digital payments due to prior bad experience switched back to such modes.