A Study on Consumer Inertia towards E-Wallet usage at Patan City

P. Anand, P. Anand
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Abstract

Demonetization effect, Government promotion, Merchant acceptance, Effect of COVID-19, availability of internet and smart phones etc. are in favour of adoption of E-wallet in market as payment alternative but still Consumer inertia towards use of E-wallet prevails in India. In spite of many advantages to use E-wallet over traditional payment system, Consumers having hesitation due to concerned factors associated with it. Perceived Risk associated with E-wallet usages are safety, privacy, digital literacy, language, cost, fraud etc. makes impact on intention to use and consumer adoption behaviour. Research aims to examine the major factors concern for consumer’s inertia to use of E-wallet. It is an attempt to find out reasons of adoption and impact of demographic variable on concern factors with statistical analysis using SPSS.
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帕坦市消费者使用电子钱包的惯性研究
废钞效应、政府推广、商家接受度、COVID-19的影响、互联网和智能手机的可用性等都有利于市场采用电子钱包作为支付选择,但在印度,消费者对使用电子钱包的惰性仍然普遍存在。尽管使用电子钱包比传统支付系统有很多优势,但由于相关的因素,消费者会有所犹豫。与电子钱包使用相关的感知风险是安全、隐私、数字素养、语言、成本、欺诈等,这些都会影响使用意愿和消费者的采用行为。研究的目的是研究消费者使用电子钱包的惯性的主要因素。试图用SPSS进行统计分析,找出人口变量被采用的原因以及对关注因素的影响。
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