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Conference Papers Year : 2020

An Extended Tam Model to Explain the Adoption of Payment Banks in India


In the present context banking is all about innovation for survival. With the emergence and complete acceptance of digital KYC and mobile banking model, India has flown to next stage technical banking innovation i.e. Payment Banks. Introduction of Payment banking is one of the most strategic change in Indian banking platform implemented by the Indian government to promote financial inclusion among the Indian economy. Thus, the purpose of this study is to investigate the factors that influence the adoption of Payment Banking by current customers. Through, various dimensions and theories of adoption a comprehensive research model of the current study is established with seven factors i.e. Social Influence, Facilitating Conditions, Trust, Perceived Ease of Use, Perceived Usefulness, Behavioural Intension and Adoption. Data was collected by field survey questionnaire from various customers using Payment Banks services. The results mainly showed that intension to adopt Payment Banks services is significantly and positively influenced by Perceived Usefulness and Trust whereas facilitating conditions found to have effect on perceived ease of use. Social influence construct of UTAUT, used as external variable to TAM model in current study, positively effects both Perceived Usefulness and Trust. This Study has both theoretical and managerial contribution in area of adoption of IT/IS studies and Payment Banks.
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hal-03744808 , version 1 (03-08-2022)





Somya Gupta, Ganesh P. Sahu. An Extended Tam Model to Explain the Adoption of Payment Banks in India. International Working Conference on Transfer and Diffusion of IT (TDIT), Dec 2020, Tiruchirappalli, India. pp.91-102, ⟨10.1007/978-3-030-64861-9_9⟩. ⟨hal-03744808⟩
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