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A STUDY ON THE IMPACT OF SECURITY CONCERNS ON READINESS FOR DIGITAL PAYMENTS IN EASTERN UTTAR PRADESH

AUTHORS:
Gautam Kumar Jha
Mentor
Pushkar Dwivedi,Sunil Kumar Yadav
Affiliation
Department of Commerce, Government College Khalwa, Khandwa (MP)
DOI: 10.55041/ijsmt.v2i5.462
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract

The emergence of digital payment methods has been a significant advancement in the payment system. However, consumers' readiness to adopt digital payment methods is a crucial aspect that requires attention. This study aims to investigate the impact of security-related concerns on consumer readiness for digital payments in eastern Uttar Pradesh. The research utilized a quantitative research method, where a structured questionnaire was distributed to 400 respondents in eastern Uttar Pradesh. The study utilized descriptive statistics and regression analysis to analyze the data. The results of the study revealed that security-related concerns have a significant impact on consumers' readiness for digital payments. The study recommended that stakeholders in the digital payment industry improve their security measures to build trust among consumers and enhance their willingness to adopt digital payment methods.

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PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 05
Review Rounds:
2
Article Type:
Research Article
Publication Date:
May 29 2026
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Jha, G. K. (2026). A Study on the Impact of Security Concerns on Readiness for Digital Payments in Eastern Uttar Pradesh. International Journal of Science, Strategic Management and Technology, 02(05). https://doi.org/10.55041/ijsmt.v2i5.462

Jha, Gautam. "A Study on the Impact of Security Concerns on Readiness for Digital Payments in Eastern Uttar Pradesh." International Journal of Science, Strategic Management and Technology, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i5.462.

Jha, Gautam. "A Study on the Impact of Security Concerns on Readiness for Digital Payments in Eastern Uttar Pradesh." International Journal of Science, Strategic Management and Technology 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i5.462.

References
1.Khan, S., Khan, S.U., Khan, I.U., Khan, S.Z. and Khan, R.U. (2023), "Understanding consumer adoption of mobile payment in Pakistan", Journal of Science and Technology Policy Management, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JSTPM-07-2021-01

2.Shikha Bhatia, Nidhi Singh & Francisco Liébana-Cabanillas (2023) Intermittent Continued Adoption of Digital Payment Services During the COVID-19 Induced Pandemic, International Journal of Human–Computer Interaction, 39:14, 2905-2919, DOI: 10.1080/10447318.2022.2087671

3.Shankar, A., Yadav, R., Behl, A. and Gupta, M. (2023), "How does dataveillance drive consumer online payment resistance?", Journal of Consumer Marketing, Vol. 40 No. 2, pp. 224-234. https://doi.org/10.1108/JCM-03-2021-4555

4.Undale, S., Kulkarni, A., & Patil, H. (2021). Perceived eWallet security: impact of COVID-19 pandemic. Vilakshan-XIMB Journal of Management, 18(1), 89-104.

5.Liao, Z., Shi, Y., Xu, X., & Wang, J. (2019). The impact of security concerns and trust on online payment adoption: a comparative study of Chinese and German consumers, Journal of Retailing and Consumer Services, 51, 210–220.

6.Wang, C., Zhang, J., & Liu, X. (2020). The impact of security concerns and convenience on mobile payment adoption: a moderated mediation analysis Journal of Business Research, 116, 608-618.

7.Adnan, M. A., Abdullah, M. S., & Rahman, M. S. (2019). Factors influencing the adoption of mobile banking services in Malaysia: A structural equation modeling approach Journal of Risk and Financial Management, 12(3), 128

8.Alam, M. N., Sharif, M., & Hossain, M. A. (2020). A conceptual framework for understanding the factors affecting mobile payment adoption in developing countries Journal of Theoretical and Applied Information Technology, 98(1), 1-19.

9.Dwivedi, Y. K., Rana, N. P., & Chen, H. (2021). Consumer adoption of mobile payments in India: the role of trust, social influence, and experience Journal of Enterprise Information Management, 34(1), 101-117.

10.Gupta, N., & Saini, S. (2019). Factors influencing the adoption of mobile payments in India: An empirical study Journal of Payments Strategy & Systems, 13(3), 239-251.
Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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