Exploring the determinants of adoption of Unified Payment Interface (UPI) in India: A study based on diffusion of innovation theory

Fahad, Mohammad Shahid · 2022 · Digital Business

Summary. This study examines why Indian customers adopt the Unified Payment Interface (UPI) mobile payment system using diffusion of innovation theory. The research finds that perceived relative advantage, low complexity, and observability significantly drive users' intention to adopt UPI. Higher usage intention and satisfaction also increase customers' likelihood to recommend UPI to others. The findings reveal key factors that influence both adoption and word-of-mouth promotion of the payment platform.

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@article{fahad-2022-exploring-determinants-adoption-unified-payment,
  title   = {Exploring the determinants of adoption of Unified Payment Interface (UPI) in India: A study based on diffusion of innovation theory},
  author  = {Fahad and Mohammad Shahid},
  journal = {Digital Business},
  year    = {2022},
  doi     = {10.1016/j.digbus.2022.100040},
  url     = {https://doi.org/10.1016/j.digbus.2022.100040}
}

TY  - JOUR
TI  - Exploring the determinants of adoption of Unified Payment Interface (UPI) in India: A study based on diffusion of innovation theory
AU  - Fahad
AU  - Mohammad Shahid
JO  - Digital Business
PY  - 2022
DO  - 10.1016/j.digbus.2022.100040
UR  - https://doi.org/10.1016/j.digbus.2022.100040
ER  - 

Details

DOI

10.1016/j.digbus.2022.100040

Countries

India

Regions

Asia

Categories

broadband-and-digital, innovation-theory, general-innovation

Added

2026-04-28