Published Paper Details:

Introduction: Online payment systems are the kind of payment which is done with the help of Internet. Payment through credit card, debit card, Gpay, Paytm, mobile wallets are the type of online payment systems. This research paper focuses on the factors of the intention to use the online payment systems. The main aim of this paper is to understand the factors and drivers for adoption of mobile payment apps and the concerns which consumers faced while using them. Objective: To study the effect of Attitude, subjective norms, perceived behavioral control on intention to use the online payment systems and to study the effect of perceived usefulness, effort expectancy, social influence, perceived innovativeness, user behavior on intention to use the online payment systems. Methods: In this research respondents are from Himachal Pradesh, Uttar Pradesh and Punjab. Where the respondents would be of youth, middle-aged people who use any kind of mobile payment system. Sampling technique used in this research is convenience sampling technique. The research paper is based on UTAUT Model and TPB Model where the sample size is 205. Statistical techniques which have been used in this research is PLS-SEM. In our research we find attitude, trust, user behavior, innovation, effort expectancy, social influence, subjective norms and performance expectancy are the factors which directly influence the intention to use online payment system. As a result, these factors play a significant and positive role for the use of online payment systems.