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Influence of COVID-19 pandemic on the intention to adopt mobile payment systems in India

Prashant Raman (Department of Management, Institute of Public Enterprise, Hyderabad, India)
Kumar Aashish (Department of Management, Jaipuria Institute of Management Noida, Noida, India)

Qualitative Market Research

ISSN: 1352-2752

Article publication date: 3 August 2022




The purpose of this study is to develop a conceptual framework which takes into account the perceived risk (PR) and the perceived benefits (PB) of using mobile payment systems (MPS) in the context of COVID-19 pandemic.


The study proposes a conceptual framework incorporating the uncertainties/risks associated with MPS like perceived technology uncertainty (PTU), perceived regulatory uncertainty (PRU), perceived service intangibility (PSI) and perceived information asymmetry (PIA), along with the benefits of using MPS such as trust, mobility, health consciousness (HC) and fear of Coronavirus (FOC). A survey comprising 1,253 participants was conducted in India. The proposed model was empirically examined through partial least square structural equation modelling.


The outcomes of the study revealed a significant positive influence of PTU, PRU, PIA and PSI on PR. On the other hand, HC and FOC were identified as the major antecedents having a significant positive influence on PB. Both PR and PB had a significant influence on the intention to adopt MPS, but the influence of PB was greater than the influence of PR.

Practical implications

The enablers and inhibitors play a crucial role in understanding the intention to adopt MPS. HC and fear of acquiring Coronavirus can be aggressively marketed by the government and service providers as a strategy to maintain social distancing. Government should address the regulatory concerns associated with the usage of MPS so as to alleviate any negative perception among the general public.


The current study is a novel attempt to understand the intention to adopt MPS in India as precautionary health behaviour to curb the transmission of Coronavirus pandemic. The study uses two constructs, HC and FOC, to better understand the behaviour of the people and explain the intention to adopt MPS during the COVID-19 pandemic.



The authors want to thank the anonymous reviewers and the guest editor for their constructive comments thereby making the paper even more better.


Raman, P. and Aashish, K. (2022), "Influence of COVID-19 pandemic on the intention to adopt mobile payment systems in India", Qualitative Market Research, Vol. ahead-of-print No. ahead-of-print.



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