Title: Barriers in the adoption of digital payment services: a systematic literature review

Authors: Sonia Chawla; Shani Kumar

Addresses: Department of Humanities and Management, Dr BR Ambedkar National Institute of Technology, Jalandhar, India ' Department of Humanities and Management, Dr BR Ambedkar National Institute of Technology, Jalandhar, India

Abstract: The researchers' interest in the field of digital payment has gained prominence in the previous decades, because of the shift in consumer financial transaction patterns. However, there are just a few review papers accessible on the barriers and challenges related to the adoption of these digital payment services. The current study examines literature from 2007 to 2021 available in the Scopus database that yielded 56 research articles. This research work presents an initial review of main theories, conceptual frameworks, and models used to explain the barriers related to digital payment adoption. Most of these studies in the past have established the dominance of some theories and variables, giving less emphasis to qualitative studies. This study will serve as guidance for the scholars and enquiring minds alike, who will carry on with their research in the area of digital payment services.

Keywords: systematic literature review; SLR; digital payments; barriers.

DOI: 10.1504/IJBIS.2026.152782

International Journal of Business Information Systems, 2026 Vol.51 No.4, pp.478 - 502

Received: 17 Jan 2022
Accepted: 02 Jul 2022
Published online: 13 Apr 2026 *

Full-text access for editors Full-text access for subscribers Purchase this article Comment on this article