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More, Ruchik Sunil (2023) Understanding Factors Influencing UPI (Unified Payments Interface) user adoption levels and sentiments in India. Masters thesis, Dublin, National College of Ireland.
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Abstract
The Government of India in its initiative to bolster digital economy and cashless transactions came up with a novel and innovative idea of UPI (Unified Payments Interface), a digital platform for transactions facilitated through smart phone mobile applications. The move has prompted a sizable proportion of smartphone users to migrate from traditional methods of cash or even internet banking through web to the use of UPI. There have been a lot of driving factors in the decision making of the users to opt for the migration which can be attributed to transaction speed, the ease of convenience in the use, a simple and friendly user experience, cash back or other such offers from the UPI apps, as also the government policy to push for cashless economy. The study aims to find the motivation and the driving factors of the users to adopt this mode of transaction and what is their sentiment towards the same. The research studies prior literature and consumer behaviour towards UPI by conducting a survey on the end users of UPI. The study then analyses the relationship of various factors towards the UPI adoption and highlights what all factors are responsible for the adoption by using test of significance, viz: chi square test and hypothesis testing, followed by cross tabulation techniques and deriving inferential visualisations. The study draws a conclusion that a few factors like the transaction speed, convenience, The research was able to establish some relationship between few of the variables like transaction speed, ease of convenience, trust on the service, and its adoption perception introduced in the question, whereas for a few variables like the app selection, high value transactions, relationship wasn’t established.
| Item Type: | Thesis (Masters) |
|---|---|
| Supervisors: | Name Email Del Rosal, Victor UNSPECIFIED |
| Subjects: | H Social Sciences > HF Commerce > Electronic Commerce H Social Sciences > HG Finance > Fintech T Technology > T Technology (General) > Information Technology > Fintech Q Science > QA Mathematics > Computer software > Mobile Phone Applications T Technology > T Technology (General) > Information Technology > Computer software > Mobile Phone Applications |
| Divisions: | School of Computing > Master of Science in FinTech |
| Depositing User: | Tamara Malone |
| Date Deposited: | 09 Aug 2024 11:22 |
| Last Modified: | 09 Aug 2024 11:22 |
| URI: | https://norma.ncirl.ie/id/eprint/7024 |
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