A Study on Customer Behaviour on Adaption Of Digital Payments With Special Reference To Thanjavur District

Document Type : Primary Research paper


1 Assistant Professor of Commerce, Periyar Maniammai Institute of Science and Technology, Vallam.

2 III B. Com (Hons), Periyar Maniammai Institute of Science and Technology, Vallam.


Digitization has enhanced many fields. Banking is also one of the fields which has implored and succeeded. This has enabled many features and invention that helps bank users to adapt to digitization. In this chapter, we shall cover such inventions like digital and payment along with their history, benefits and limitation.
This study employs the Unified Theory of Acceptance and Use of Technology (UTAUT) to examine what influences people to adopt mobile banking. Through sampling 116 respondents, this study determined that individual intention to adopt mobile banking was meaningfully influenced by social influence, perceived financial cost, performance expectancy, and perceived credibility, in their order of influencing strength. The behavior was significantly affected by individual intention and facilitating conditions. As for moderating effects of gender and age, this study discovered that gender significantly moderated the effects of performance expectancy and perceived financial cost on behavioral intention, and the age considerably moderated the effects of facilitating conditions and perceived self-efficacy on actual adoption behavior.