DIGITAL PAYMENT AS A KEY ENABLER OF E-GOVERNMENT SERVICES: A CASE STUDY OF CHANDIGARH CITY (INDIA (original) (raw)

Study of Consumer Behaviour Towards Digital Payment: An Empirical Study with Reference to Kolkata

IJEAST, 2021

The Digital India program is a distinguished government program undertaken by the Government of India that has an intention of making the country a digital society and a knowledge economy. The slogan and professed role of Digital India is "faceless, paperless and cashless". Different methods of electronic payments are available to promote transactions involving no cash and turn India into a cashless society. These methods include debit/credit cards, Unified Payment Interface (UPI), Aadhaar Enabled Payment System (AEPS), Unstructured Supplementary Service Data (USSD), numerous mobile payment wallets, micro-ATM etc. This study focuses on the attitude, perception of the urban consumers towards various digital payment methods. Responses from 100 respondents of Kolkata have been recorded using purposive sampling method and are analysed using anova.

Digital payment systems: Perception and concerns among urban consumers

The Digital India programme is a prestigious programme of the Government of India with a vision to transform India into a digitally empowered society and to become a knowledge economy. " Faceless, Paperless, Cashless " is one of professed role and slogan of of Digital India. As part of promoting cashless transactions and converting India into less-cash society, various modes of digital payments are available. These modes are banking cards, Unstructured Supplementary Service Data (USSD), Aadhaar Enabled Payment System (AEPS), Unified Payment Interface (UPI), mobile wallets point of sales, micro ATM etc. The current study is focused on urban consumers' attitude, perception towards digtal payment systems. For the purpose of study, a convenient sampling survey was conducted among 100 urban respondents in Malappuram District of Kerala with the help of an interview schedule. The tools used for this study are Percentage analysis; one way Anova, independent sample t-test, ranking method etc.

A STUDY ON CONSUMER PERCEPTION TOWARDS DIGITAL PAYMENT MODE (WITH SPECIAL REFERENCES TO COIMBATORE DISTRICT TAMIL NADU)

IAEME Publications, 2019

The last decade has seen tremendous growth in use of internet and mobile phone in India. Increasing use of internet, mobile penetration and government initiative such as Digital India are acting as catalyst which leads to exponential growth in use of digital payment. Electronics Consumer transaction made at point of sale (POS) for services and products either through internet banking or mobile banking using smart phone or card payment are called as digital payment. The consumer perception of digital payment has a significant and positive impact on adoption of digital payment.

A Study of Consumer perception regarding digital payment system in India

In today word mobile users can nowadays use their smartphones to make money transaction or payment by using applications installed in the phones. The last decade has seen tremendous growth in use of internet and mobile phones in India. Electronic consumer transaction made at point of sale (POS) for services and products through internet banking or mobile banking using smartphones or card payments are called as digital payment. This paper provides us a glimpse of the user’s behavior about the use of digital payment, their satisfaction level and impact of age on their use, factors that can affect a consumer’s decision to adopt digital payment. The structured questionnaire will used as a research tool for study the consumer perception of digital payment. Primary data will collected from 100 respondents. The respondents will categorized on the basis of demographics such as age, income level, occupation and gender. This research used quantitative method ANOVA in

Adoption of Digital Payment System among the Youths in Pokhara Metropolitan City

Interdisciplinary Journal of Innovation in Nepalese Academia

Effective payment systems are crucial components of any nation's financial infrastructure. In recent years, Nepal has witnessed a significant surge in the utilization of digital payment systems. The examination of the adoption of digital payment methods in Nepal is of paramount importance as it sheds light on behaviors related to financial technology that can shape the future of the country's financial system and contribute to its economic development. This study aims to explore the factors influencing the adoption intention of digital payment systems in Pokhara Metropolitan City, Nepal. The study population consists of the youth of Pokhara, with 400 respondents selected using a purposive sampling technique. Data analysis encompasses frequency distribution, exploratory factor analysis, and structural equation modeling. The exploratory factor analysis extracted six factors, which include effort expectancy, performance expectancy, security and privacy, social influence, facili...

STUDY ON USAGE OF DIGITAL PAYMENT APPLICATIONS IN INDIA

Trans stellar Journals, 2021

For a long time, the world has been moving toward all things digital. However, the year 2020 highlighted the urgent need to embrace new technologies as soon as possible. With the implementation of the lockdown, this adaptation happened almost instantly, particularly in India for digital payments. The Indian government has been promoting and propagating online payments sharply, beginning with demonetization back in 2016. 'Digital India' has been the spirit of the many economic and financial decisions that pushed Indians to modify online payments. In a country like India, where disparities are sometimes different, ensuring financial equality becomes a problem of prime importance. This study analyses the usage of Digital Payment Applications and the challenges faced by users. The findings show that1/3 of the respondents in the age group 25-35 have been personally impacted by fraud, data theft, etc. There is a need to create awareness about the precautions to be taken so that the users are not victimized due to fraudulent activities.

E-Payment at the Local Government Level: A Study of Majlis Bandaraya Shah Alam and Majlis Daerah Kampar

PLANNING MALAYSIA JOURNAL, 2014

Information and Communication Technology (ICT) adoption through the implementation of electronic government (e-Government) helps improves local authority's service delivery for the benefit of the community. Many of the local authorities have adopted the online payment method for the assessment rate collection. Despite the notion that e-Government increased productivity and improved efficiency, citizen's usage is still considered minimal and has been comparatively low especially in services involving transactional. This study investigates the factors influencing the usage of online payment method in local authority's assessment rate collection. Data for this study was collected through questionnaire, interview and document analysis. The findings showed that perceived usefulness, perceived ease of use, perceived risk, payment receipt issuance and income level seem to influence user's intention to adopt the online payment method.

A STUDY ON DIGITAL PAYMENT USAGE AMONG THE STUDENT COMMUNITY IN TIRUCHIRAPPALLI CITY OF TAMIL NADU

Granthaalayah, 2023

Digital payment, also called as electronic payment, is the transfer of money from one payment account to another using a digital device such as a mobile phone or a computer. In an increasingly cashless society, digital payments are the new norm, and they take place every single day all around the world. There are multiple benefits that digital payments bring to the table. Transactions performed through digital payment systems are faster, easier, and more convenient than carrying cash in hand or performing the banking transactions by visiting the branch physically. This means that more and more people feel comfortable transferring funds via electronic mediums, buying products online and investing digitally. Digital payment plays better role not only among the working-class people but also among younger generation. The method of digital transaction is used majorly by the younger generation, specifically the student community as they have better knowledge and access to digital devices. Therefore, this study attempted to examine the usage pattern of digital payment methods among the student community in Tiruchirappalli city of Tamil Nadu. The study focused on the socio-economic conditions of the respondents in relation to their awareness, frequency, and purpose of using digital payment methods for transactions. For this purpose, the researchers have collected primary data and has used statistical tools like percentage, growth rate and crosstabulation to analyze the data. The study found that male respondents used digital transactions more frequently than female respondents and also those in higher income group used the digital transaction method more frequently than those in lower income group.

A Literature Study Of Consumer Perception Towards Digital Payment Mode In India

2021

Digital transactions are taking over most of the transactions in the world and India is no exception. Various studies have proved that efficient payment system will speed up the liquidity flow of an economy. In the era of digitisation, transactions using technology is the best way of being agile and giving better service to consumers. The study is about understanding consumers' perceptions with respect to online and digital payments and safety of these transactions in this world of connected technologies. It is important for marketers to know the perception of consumers towards cashless methods of transactions and this study helps in this. The study is qualitative in nature and uses literature reviews to analyse the concept of digital transactions. The reviews delve insights into the various challenges and advantages of using digital transactions. The findings reveal that digital transactions are accepted in India and usage is increasing year by year. The study finds the advanta...

ADOPTION OF DIGITAL PAYMENT SYSTEM IN RURAL AREA: A STUDY AT RAMANAGARA DISTRICT

New Horizons, 2021

About 70% of Indians live in rural areas. Rural India has a major impact on the economic development of the country. Digital programs are designed for rural areas. The importance of improving the inclination of digital payment systems in rural India is of paramount importance when considering benefits such as the visibility of transactions. Transformation towards digital payments in the domestic economy is enabled. There is growth in the use of smart phone and internet in rural areas. There are many applications such as Paytm, mobikwik, Google pay and the Indian government introducing many UPI (united payment interface) solutions and BHIM applications for smooth transactions in the digital payment system. This study seeks to focus on a variety of factors affecting the adoption of digital payment systems in rural areas.