Title: Examining the pandemic shifts in payment: awareness and inclination in digital payments across demographics

Authors: S. Nithya Sri Meenakshi; Bijay Prasad Kushwaha; Fekadu Yehuwalashet Maru

Addresses: VIT Business School, Vellore Institute of Technology, Vellore 632007, India ' VIT Business School, Vellore Institute of Technology, Vellore 632007, India ' Department of Management, Jigjiga University, P.O. Box 1020 – Jigjiga, Ethiopia

Abstract: This study investigates the transition in digital payment preferences across diverse demographics after the global health crisis, focusing on understanding the determinants affecting the adoption of digital payment methods and user confidence. An analytical cross-sectional survey involving a sample of 567 participants from India was executed, and the collected data was subjected to examination utilising partial least squares structural equation modelling (PLS-SEM). The selection of participants was carried out through purposive sampling. The results indicate that while factors like user-friendly functionalities, feedback mechanisms, and time efficiency are crucial, age plays a significant role in shaping user perception, trust, and willingness to embrace digital payment technologies. These findings highlight the necessity for businesses to prioritise strategies that increase user understanding, cultivate trust, and improve usability to leverage the growing market for digital payment solutions in the post-pandemic period.

Keywords: digital payments; demographics; user awareness; trust; post-pandemic shift.

DOI: 10.1504/IJBPIM.2025.144070

International Journal of Business Process Integration and Management, 2025 Vol.12 No.1, pp.64 - 77

Received: 17 Jul 2024
Accepted: 10 Oct 2024
Published online: 23 Jan 2025 *

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