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Research Article

Unlocking E-Payment Potential: Assessing Consumer Readiness in Eastern Uttar Pradesh

Gautam Kumar Jha1 Rajat Jaiswal2
12 Research Scholar, Department of Commerce, Mahatma Gandhi Kashi Vidyapith, Varanasi, Uttar Pradesh, India.

Published Online: May-June 2024

Pages: 217-222

References

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https://www.meity.gov.in/sites/upload_files/dit/files/Digital%20India.pdf
2. National Payments Corporation of India. (2020),Annual Report, https://www.npci.org.in/PDF/npci/corporategovernance/financials/NPCI-financials-2020-21.pdf
3. PwC. (2020). Global Consumer Insights Survey 2020, retrieved from https://www.pwc.com/gx/en/consumer-markets/consumerinsights-survey/2020/pwc-consumer-insights-survey-2020.pdf
4. Smith, J., & Tan, A. (2019). Security Measures and Trust in Digital Payment Platforms. Journal of Payment Systems, 12(3), 234-250.
5. Johnson, L. (2021). The Role of Incentives in Promoting Digital Payment Systems. Financial Innovation Journal, 7(2), 112-129.
6. Doe, J., & Smith, R. (2022). Age-Related Differences in the Adoption of Digital Payment Systems. Journal of Technological Advances,
15(1), 45-60.
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Business Studies, 5(3), 115-123.
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Research and Review, 7(2), 660-669.
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and Exploring Engineering, 8(11), 2219-2223.
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11(2), 139-158.
11. Nambiar, A., & Thomas, J. (2019). Exploring the factors affecting the adoption of mobile wallet in India. Journal of Financial Services
Marketing, 24(4), 155-165.
12. Karthik, S., et al. (2019). The Impact of Technological Infrastructure on Consumer Readiness for E-payment Services. Journal of
Electronic Commerce Research, 20(3), 193-210.
13. Gupta, A., & Sehgal, R. (2018). Security Perceptions and Readiness for E-payment Services: An Empirical Investigation. Information
Systems Research, 29(2), 278-294.
14. Singh, P., & Dey, S. (2016). The Role of Cultural and Social Factors in Shaping Readiness for E-payment Services. International
Journal of Consumer Studies, 40(6), 671-688.Verma,
15. S., & Srivastava, R. Kumar, A., & Singh, R. (2023). Evaluating Consumer Readiness for E-payment Services in Eastern Uttar Pradesh.
University of Lucknow, Department of Commerce.
16. Gupta, A., & Jain, P. (2021). Barriers to Adoption of E-payment Services in India. Journal of Financial Technology and
Innovation, 7(1), 123-138.
17. 019). Perceptions and Attitudes as Determinants of E-payment Service Readiness. Journal of Electronic Commerce Research, 24(4),
325-340.
18. Roy, S., & Sinha, I. (2014). Determinants of Customers’ Acceptance of Electronic Payment System in Indian Banking Sector–A Study.
International Journal of Scientific and Engineering Research, 5(1), 177-187.
19. Slozko, O., Pelo, A. (2015). Problems and Risks of Digital Technologies Introduction into E-Payments, Transformations in Business
and Economics, 14, (1), 42-59.
20. Singh., S. (2017). “Study on consumer perception of Digital Payment mode”,Journal ofInternet Banking and Commerce”, 22(3),
December.
21. Verma, S., & Srivastava, R. (2019). Psychological factors influencing consumer readiness for the adoption of electronic payment
services. Journal of Electronic Payment Systems, 1(2), 45-60.
22. Reserve Bank of India. (2021, March). Reserve Bank of India Bulletin. Retrieved from
https://www.rbi.org.in/Scripts/BS_ViewBulletin.aspx?yr=2021&mon=3

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