Title: M-wallet's adoption, preferences and practices in India

Authors: Bindiya Tater; Kishor John

Addresses: Dr. BR Ambedkar Universty of Social Sciences, Mhow, MP 453441, India ' MP Bhoj Open University, Bhopal, MP 462016, India

Abstract: The study attempts to identify the adoption, preferences, and mobile wallet practices among male and female users in India. The study was conducted to identify the preferred m-wallet, the usage trends in the adoption, preferences and practices, services that affect the benefits and uses, intent to use, security and trust while using the services. The study is a descriptive and empirical questionnaire approach based on a sample of 261 male and 161 female users. Paytm is the most preferred m-wallet on Google Pay, Phonepe, Amazon Pay, etc. Family, friends and the growing use of the internet impact user adoption and practices. The results show that there is no significant difference between m-wallet adoptions among users regarding 15 factors under three constructs, i.e., 'benefits and uses', 'intent to use' and 'security and trust'. The study also analysed the association of these three constructs.

Keywords: m-wallet; adoption; practical; profit; intent; security; trust; use; India.

DOI: 10.1504/IJEBANK.2022.125619

International Journal of Electronic Banking, 2022 Vol.3 No.3, pp.263 - 281

Received: 16 Mar 2022
Accepted: 09 Jun 2022
Published online: 16 Sep 2022 *

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