Study of Consumer Intentions on Using Mobile Wallets Using TAM Model

摘要

Digital payments are the future. In India digital payments have raced up post demonetisation in November 2016. Convenience is the major factor which is drawing consumers towards digital payments. Mobile wallets not only give convenience to the consumers in making payments but also gives them additional benefits like cashbacks and some extra discounts. This study focuses on studying the consumer intentions on using M-wallets via technology acceptance model (TAM). The sample size taken was 186 from Delhi NCR and Lucknow, India. The methodology used in the study is descriptive in nature, convenience sampling technique was used to accumulate the data. Perceived ease of use, Perceived usefulness, Attitude were found to be significantly associated and having a positive linear relationship with the Behavioural intentions as per the correlation and regression analysis whereas Perceived security was not having positive linear relationship with the Behavioural intentions as per the regression analysis since security is an inherent feature of Mobile wallets.