research-article

Examining the use and non-use of mobile payment systems for merchant payments in India

Authors:

Aditya Vashistha,

Richard Anderson,

Shrirang MareAuthors Info & Claims

COMPASS '19: Proceedings of the 2nd ACM SIGCAS Conference on Computing and Sustainable Societies

Pages 1 - 12

https://doi.org/10.1145/3314344.3332499

Published: 03 July 2019 Publication History

Abstract

Many countries across the globe are engaged in efforts to promote a cashless society. In India, there is a strong top-down push by the government and the private sector for mobile payments. In this work, we examine the benefits and pitfalls people perceive in using mobile payments for customer-merchant transactions. Through interviews with 19 customers and 15 merchants across rural, periurban, and urban India, we explore people's awareness about mobile payment systems, perceived trade-offs among different payment methods, and the security, privacy, and utility barriers in its adoption and use. Overall, we found that customers were interested in adopting mobile payments for referral rewards and sign-up incentives, but were hesitant to regularly use them, whereas merchants saw mobile payments as an unnecessary burden for their business. We discuss the nuanced views of customers and merchants, and offer recommendations to address the barriers in the use of mobile payments for customer-to-merchant transactions.

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Cited By

Mehraj DIdrees Ul Islam MU. Nissa VIqbal S(2024)Challenges and Prospects in the Adoption of Mobile Payment Systems in IndiaEconomics - Annual Volume 2024 [Working Title]10.5772/intechopen.114904Online publication date: 24-Oct-2024
https://doi.org/10.5772/intechopen.114904
Arendse EVan Den Berg C(2024)Exploring the Barriers to Digital Financial Inclusion Amongst Businesses in the Informal Sector2024 IST-Africa Conference (IST-Africa)10.23919/IST-Africa63983.2024.10569289(1-11)Online publication date: 20-May-2024
https://doi.org/10.23919/IST-Africa63983.2024.10569289
Roy BRitu SMrittika ANoor J(2024)Bridging the Gap: Exploring the Factors Influencing Women's Adoption of Mobile Financial Services (MFS) in Rural Areas of BangladeshProceedings of the 7th ACM SIGCAS/SIGCHI Conference on Computing and Sustainable Societies10.1145/3674829.3675083(268-277)Online publication date: 8-Jul-2024
https://dl.acm.org/doi/10.1145/3674829.3675083
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Index Terms

Examining the use and non-use of mobile payment systems for merchant payments in India
1. Human-centered computing
  1. Human computer interaction (HCI)
    1. Empirical studies in HCI

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cover image ACM Conferences

COMPASS '19: Proceedings of the 2nd ACM SIGCAS Conference on Computing and Sustainable Societies

July 2019

290 pages

ISBN:9781450367141

DOI:10.1145/3314344

Program Chairs:
Jay Chen
NYU-AD
,
Jennifer Mankoff
University of Washington
,
Carla Gomes
Cornell

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Published: 03 July 2019

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Cited By

Mehraj DIdrees Ul Islam MU. Nissa VIqbal S(2024)Challenges and Prospects in the Adoption of Mobile Payment Systems in IndiaEconomics - Annual Volume 2024 [Working Title]10.5772/intechopen.114904Online publication date: 24-Oct-2024
https://doi.org/10.5772/intechopen.114904
Arendse EVan Den Berg C(2024)Exploring the Barriers to Digital Financial Inclusion Amongst Businesses in the Informal Sector2024 IST-Africa Conference (IST-Africa)10.23919/IST-Africa63983.2024.10569289(1-11)Online publication date: 20-May-2024
https://doi.org/10.23919/IST-Africa63983.2024.10569289
Roy BRitu SMrittika ANoor J(2024)Bridging the Gap: Exploring the Factors Influencing Women's Adoption of Mobile Financial Services (MFS) in Rural Areas of BangladeshProceedings of the 7th ACM SIGCAS/SIGCHI Conference on Computing and Sustainable Societies10.1145/3674829.3675083(268-277)Online publication date: 8-Jul-2024
https://dl.acm.org/doi/10.1145/3674829.3675083
Dev HGupta RKumar D(2024)From Cash to Cashless: UPI's Impact on Spending Behavior among Indian UsersExtended Abstracts of the CHI Conference on Human Factors in Computing Systems10.1145/3613905.3651050(1-10)Online publication date: 11-May-2024
https://dl.acm.org/doi/10.1145/3613905.3651050
Kapoor ASindwani RGoel M(2024)Decoding the conundrum: exploring complex interlinkages between mobile wallet adoption inhibitors among unorganised retailersJournal of Financial Services Marketing10.1057/s41264-024-00277-529:4(1487-1502)Online publication date: 3-May-2024
https://doi.org/10.1057/s41264-024-00277-5
Kameswaran VY VMarathe M(2023)Advocacy as Access Work: How People with Visual Impairments Gain Access to Digital Banking in IndiaProceedings of the ACM on Human-Computer Interaction10.1145/35795967:CSCW1(1-23)Online publication date: 16-Apr-2023
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He CHe LLu ZLi B(2023)"I Have to Use My Son's QR Code to Run the Business": Unpacking Senior Street Vendors' Challenges in Mobile Money Collection in ChinaProceedings of the ACM on Human-Computer Interaction10.1145/35794937:CSCW1(1-28)Online publication date: 16-Apr-2023
https://dl.acm.org/doi/10.1145/3579493
JosephNg PAl-Rawahi MEaw H(2022)Provoking Actual Mobile Payment Use in the Middle EastApplied System Innovation10.3390/asi50200375:2(37)Online publication date: 29-Mar-2022
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Bin Mothana A(2022)A Systematic Literature Review on UCD4D StudiesProceedings of the 33rd European Conference on Cognitive Ergonomics10.1145/3552327.3552350(1-4)Online publication date: 4-Oct-2022
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