Adoption of cashless payment systems in the bottom-of-the-pyramid retail supply chains in India: A technology-organization-environment framework perspective

IF 3.7 4区 管理学 Q2 BUSINESS Electronic Commerce Research Pub Date : 2024-01-22 DOI:10.1007/s10660-023-09803-4
Ravi Srinivasan, Krishna Sundar Diatha, Shubham Singh
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Abstract

We investigate the adoption of cashless payment systems by small retailers and their upstream suppliers (wholesalers, distributors, and manufacturers) serving the bottom-of-the-pyramid customers in India. We use the Technology-Organization-Environment framework to hypothesize how relative advantage, perceived barriers, firm size, firm scope, and competition influence the adoption of cashless payment systems. We collected data from 392 small retailers and 269 upstream suppliers from urban, semi-urban, and rural India. The results indicate that perceived barriers, firm scope, firm size, and competition influence the adoption of cashless payment systems. Upon further investigation, we found that all five factors influence retailers’ adoption of cashless payment systems, but only firm scope and competition are significantly related to adoption for upstream suppliers. These results highlight that the factors influencing the adoption of cashless payment systems may also depend on supply chain position. We discuss the theoretical and practical implications of these results. We also validate the findings from our quantitative analysis by presenting excerpts from interviews with the merchants.

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印度金字塔底层零售供应链采用无现金支付系统:技术-组织-环境框架视角
我们调查了印度为金字塔底层客户提供服务的小型零售商及其上游供应商(批发商、分销商和制造商)采用无现金支付系统的情况。我们采用技术-组织-环境框架来假设相对优势、感知障碍、企业规模、企业范围和竞争如何影响无现金支付系统的采用。我们收集了来自印度城市、半城市和农村地区的 392 家小型零售商和 269 家上游供应商的数据。结果表明,感知障碍、公司范围、公司规模和竞争会影响无现金支付系统的采用。经过进一步调查,我们发现所有五个因素都会影响零售商对无现金支付系统的采用,但只有企业规模和竞争与上游供应商对无现金支付系统的采用有显著关系。这些结果突出表明,影响采用无现金支付系统的因素可能还取决于供应链的地位。我们讨论了这些结果的理论和实践意义。我们还通过介绍与商户的访谈摘录来验证定量分析的结果。
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来源期刊
CiteScore
7.50
自引率
12.80%
发文量
99
期刊介绍: The Internet and the World Wide Web have brought a fundamental change in the way that individuals access data, information and services. Individuals have access to vast amounts of data, to experts and services that are not limited in time or space. This has forced business to change the way in which they conduct their commercial transactions with their end customers and with other businesses, resulting in the development of a global market through the Internet. The emergence of the Internet and electronic commerce raises many new research issues. The Electronic Commerce Research journal will serve as a forum for stimulating and disseminating research into all facets of electronic commerce - from research into core enabling technologies to work on assessing and understanding the implications of these technologies on societies, economies, businesses and individuals. The journal concentrates on theoretical as well as empirical research that leads to better understanding of electronic commerce and its implications. Topics covered by the journal include, but are not restricted to the following subjects as they relate to the Internet and electronic commerce: Dissemination of services through the Internet;Intelligent agents technologies and their impact;The global impact of electronic commerce;The economics of electronic commerce;Fraud reduction on the Internet;Mobile electronic commerce;Virtual electronic commerce systems;Application of computer and communication technologies to electronic commerce;Electronic market mechanisms and their impact;Auctioning over the Internet;Business models of Internet based companies;Service creation and provisioning;The job market created by the Internet and electronic commerce;Security, privacy, authorization and authentication of users and transactions on the Internet;Electronic data interc hange over the Internet;Electronic payment systems and electronic funds transfer;The impact of electronic commerce on organizational structures and processes;Supply chain management through the Internet;Marketing on the Internet;User adaptive advertisement;Standards in electronic commerce and their analysis;Metrics, measurement and prediction of user activity;On-line stock markets and financial trading;User devices for accessing the Internet and conducting electronic transactions;Efficient search techniques and engines on the WWW;Web based languages (e.g., HTML, XML, VRML, Java);Multimedia storage and distribution;Internet;Collaborative learning, gaming and work;Presentation page design techniques and tools;Virtual reality on the net and 3D visualization;Browsers and user interfaces;Web site management techniques and tools;Managing middleware to support electronic commerce;Web based education, and training;Electronic journals and publishing on the Internet;Legal issues, taxation and property rights;Modeling and design of networks to support Internet applications;Modeling, design and sizing of web site servers;Reliability of intensive on-line applications;Pervasive devices and pervasive computing in electronic commerce;Workflow for electronic commerce applications;Coordination technologies for electronic commerce;Personalization and mass customization technologies;Marketing and customer relationship management in electronic commerce;Service creation and provisioning. Audience: Academics and professionals involved in electronic commerce research and the application and use of the Internet. Managers, consultants, decision-makers and developers who value the use of electronic com merce research results. Special Issues: Electronic Commerce Research publishes from time to time a special issue of the devoted to a single subject area. If interested in serving as a guest editor for a special issue, please contact the Editor-in-Chief J. Christopher Westland at westland@uic.edu with a proposal for the special issue. Officially cited as: Electron Commer Res
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