{"id":"https://openalex.org/W4396907862","doi":"https://doi.org/10.35530/it.075.02.202361","title":"Exploring the factors influencing hesitation among textile industry weavers in adopting digital banking services in India","display_name":"Exploring the factors influencing hesitation among textile industry weavers in adopting digital banking services in India","publication_year":2024,"publication_date":"2024-04-30","ids":{"openalex":"https://openalex.org/W4396907862","doi":"https://doi.org/10.35530/it.075.02.202361"},"language":"en","primary_location":{"id":"doi:10.35530/it.075.02.202361","doi":"https://doi.org/10.35530/it.075.02.202361","is_oa":true,"landing_page_url":"http://doi.org/10.35530/it.075.02.202361","pdf_url":"https://doi.org/10.35530/it.075.02.202361","source":{"id":"https://openalex.org/S54223024","display_name":"Industria Textila","issn_l":"1222-5347","issn":["1222-5347"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","dongbi-c","jufo-1","poland-20","russia-white-list-2"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Industria Textila","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.35530/it.075.02.202361","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5006343401","display_name":"Bharat Kumar Meher","orcid":"https://orcid.org/0000-0002-7264-5882","observed_orcids":["https://orcid.org/0000-0002-7264-5882"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"BHARAT KUMAR MEHER","raw_affiliation_strings":["PG Department of Commerce, Purnea University, Purnia, Bihar, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"PG Department of Commerce, Purnea University, Purnia, Bihar, India","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101661237","display_name":"Abhishek Anand","orcid":"https://orcid.org/0000-0002-7449-5005","observed_orcids":["https://orcid.org/0000-0002-7449-5005"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"ABHISHEK ANAND","raw_affiliation_strings":["PG Department of Economics, Purnea University, Purnia, Bihar, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"PG Department of Economics, Purnea University, Purnia, Bihar, India","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5037965573","display_name":"Ramona Bir\u0103u","orcid":"https://orcid.org/0000-0003-1638-4291","observed_orcids":["https://orcid.org/0000-0003-1638-4291","https://orcid.org/0009-0000-8405-410X"]},"institutions":[{"id":"https://openalex.org/I4210088362","display_name":"Constantin Br\u00e2ncu\u0219i University of Targu Jiu","ror":"https://ror.org/0058xhs49","country_code":"RO","type":"education","lineage":["https://openalex.org/I4210088362","https://openalex.org/I97553796"]}],"countries":["RO"],"is_corresponding":false,"raw_author_name":"RAMONA BIRAU","raw_affiliation_strings":["Faculty of Economic Science, University Constantin Brancusi of Tg-Jiu, Romania"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Economic Science, University Constantin Brancusi of Tg-Jiu, Romania","institution_ids":["https://openalex.org/I4210088362"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5002358769","display_name":"Iuliana Carmen B\u0103rb\u0103cioru","orcid":"https://orcid.org/0000-0001-7329-9590","observed_orcids":["https://orcid.org/0000-0001-7329-9590"]},"institutions":[{"id":"https://openalex.org/I4210088362","display_name":"Constantin Br\u00e2ncu\u0219i University of Targu Jiu","ror":"https://ror.org/0058xhs49","country_code":"RO","type":"education","lineage":["https://openalex.org/I4210088362","https://openalex.org/I97553796"]}],"countries":["RO"],"is_corresponding":false,"raw_author_name":"IULIANA CARMEN B\u0102RB\u0102CIORU","raw_affiliation_strings":["Faculty of Medical and Behaviour Sciences, University Constantin Brancusi of Tg-Jiu, Rom\u00e2nia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Medical and Behaviour Sciences, University Constantin Brancusi of Tg-Jiu, Rom\u00e2nia","institution_ids":["https://openalex.org/I4210088362"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5032831131","display_name":"Robert Dorin Filip","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I97553796","display_name":"University of Craiova","ror":"https://ror.org/03s251g81","country_code":"RO","type":"education","lineage":["https://openalex.org/I97553796"]}],"countries":["RO"],"is_corresponding":false,"raw_author_name":"ROBERT DORIN FILIP","raw_affiliation_strings":["University of Craiova, \"Eugeniu Carada\" Doctoral School of Economic Sciences, Craiova, Romania"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Craiova, \"Eugeniu Carada\" Doctoral School of Economic Sciences, Craiova, Romania","institution_ids":["https://openalex.org/I97553796"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5098534775","display_name":"Gabriela Ana Maria Lupu","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I97553796","display_name":"University of Craiova","ror":"https://ror.org/03s251g81","country_code":"RO","type":"education","lineage":["https://openalex.org/I97553796"]}],"countries":["RO"],"is_corresponding":false,"raw_author_name":"GABRIELA ANA MARIA LUPU","raw_affiliation_strings":["University of Craiova, \"Eugeniu Carada\" Doctoral School of Economic Sciences, Craiova, Romania"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Craiova, \"Eugeniu Carada\" Doctoral School of Economic Sciences, Craiova, Romania","institution_ids":["https://openalex.org/I97553796"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.3055,"has_fulltext":true,"cited_by_count":2,"citation_normalized_percentile":{"value":0.60328536,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":95,"max":96},"biblio":{"volume":"75","issue":"02","first_page":"237","last_page":"247"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9932000041007996,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9932000041007996,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.002099999925121665,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.00139999995008111,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-banking-adoption","display_name":"digital banking adoption","score":0.984000027179718},{"id":"https://openalex.org/keywords/electronic-payment-systems","display_name":"electronic payment systems","score":0.7139999866485596},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.6700000166893005},{"id":"https://openalex.org/keywords/network-issues","display_name":"network issues","score":0.6819999814033508},{"id":"https://openalex.org/keywords/digital-economy","display_name":"digital economy","score":0.47600001096725464},{"id":"https://openalex.org/keywords/india","display_name":"India","score":0.9020000100135803}],"concepts":[{"id":"https://openalex.org/C2776269092","wikidata":"https://www.wikidata.org/wiki/Q1611074","display_name":"Residence","level":2,"score":0.7241095900535583},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6054022312164307},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.5507241487503052},{"id":"https://openalex.org/C164767435","wikidata":"https://www.wikidata.org/wiki/Q28823","display_name":"Textile","level":2,"score":0.5207619667053223},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5174108743667603},{"id":"https://openalex.org/C2781249084","wikidata":"https://www.wikidata.org/wiki/Q908656","display_name":"Preference","level":2,"score":0.4438815116882324},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.44168710708618164},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.38966289162635803},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.22315794229507446},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.1794302761554718},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.17871657013893127},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.15472623705863953},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.12591016292572021},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0960884690284729},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.35530/it.075.02.202361","doi":"https://doi.org/10.35530/it.075.02.202361","is_oa":true,"landing_page_url":"http://doi.org/10.35530/it.075.02.202361","pdf_url":"https://doi.org/10.35530/it.075.02.202361","source":{"id":"https://openalex.org/S54223024","display_name":"Industria Textila","issn_l":"1222-5347","issn":["1222-5347"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","dongbi-c","jufo-1","poland-20","russia-white-list-2"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Industria Textila","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.35530/it.075.02.202361","doi":"https://doi.org/10.35530/it.075.02.202361","is_oa":true,"landing_page_url":"http://doi.org/10.35530/it.075.02.202361","pdf_url":"https://doi.org/10.35530/it.075.02.202361","source":{"id":"https://openalex.org/S54223024","display_name":"Industria Textila","issn_l":"1222-5347","issn":["1222-5347"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","dongbi-c","jufo-1","poland-20","russia-white-list-2"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Industria Textila","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.833299994468689,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"},{"score":0.5378999710083008,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4396907862.pdf","grobid_xml":"https://content.openalex.org/works/W4396907862.grobid-xml"},"referenced_works_count":19,"referenced_works":["https://openalex.org/W149767747","https://openalex.org/W1995891326","https://openalex.org/W2010390758","https://openalex.org/W2485020702","https://openalex.org/W2772917981","https://openalex.org/W2818052156","https://openalex.org/W2911484033","https://openalex.org/W2943128691","https://openalex.org/W3011058773","https://openalex.org/W3021354032","https://openalex.org/W3047064124","https://openalex.org/W3121555225","https://openalex.org/W3126944503","https://openalex.org/W3150900065","https://openalex.org/W4231402436","https://openalex.org/W4297968859","https://openalex.org/W4313481405","https://openalex.org/W4318542783","https://openalex.org/W4367318912"],"related_works":["https://openalex.org/W7162252178","https://openalex.org/W7213581285","https://openalex.org/W4407130642","https://openalex.org/W4389105421","https://openalex.org/W4386775298","https://openalex.org/W4386384126","https://openalex.org/W3129142494","https://openalex.org/W7118383171","https://openalex.org/W7221572505","https://openalex.org/W7169674994"],"abstract_inverted_index":{"These":[0,62],"small":[1,44,69,135],"textile":[2,45,70,99,136],"weavers":[3,46,71,100,137,153,170,196],"in":[4,29,59,75,103,128,154,159,199,216],"this":[5],"emerging":[6],"country":[7],"such":[8,51],"as":[9,33,35,52],"India":[10,102,160,198],"have":[11,64],"been":[12],"hesitant":[13],"to":[14,22,57,72,87,111,208],"adopt":[15],"digital":[16,30,60,78,107,132],"banking":[17,108,133],"methods.":[18,41],"This":[19,80],"is":[20,82],"due":[21,207],"a":[23,36,66,113,203],"lack":[24,47,213],"of":[25,101,106,131,166,177,197,205,211,214],"awareness":[26],"and":[27,54,164,221],"trust":[28],"payment":[31,40],"systems,":[32],"well":[34],"preference":[37],"for":[38,68,96,125,192],"traditional":[39],"Additionally,":[42],"many":[43],"the":[48,89,104,119,126,129,155,178,193],"necessary":[49],"infrastructure,":[50],"smartphones":[53],"internet":[55],"connectivity,":[56],"engage":[58],"banking.":[61],"challenges":[63],"created":[65],"barrier":[67],"fully":[73],"participate":[74],"India's":[76],"growing":[77],"economy.":[79],"study":[81,144,179],"an":[83],"attempt":[84],"not":[85],"only":[86],"highlight":[88],"various":[90,173],"realistic":[91],"problems":[92],"that":[93,116,122,181,189],"are":[94,123,183,190],"responsible":[95,124,191],"hesitation":[97,127,194],"among":[98,134,195],"usage":[105,130],"but":[109],"also":[110],"formulate":[112],"suitable":[114],"model":[115],"could":[117],"depict":[118,180],"significant":[120,185],"variables":[121],"by":[138,150],"using":[139,200],"Step-wise":[140],"regression":[141],"method.":[142],"The":[143,175],"relies":[145],"on":[146,162],"primary":[147],"data":[148],"collected":[149],"questionnaire":[151],"from":[152,172],"top":[156],"ten":[157],"states":[158],"based":[161],"residence":[163],"number":[165],"weavers,":[167],"with":[168],"454":[169],"participating":[171],"states.":[174],"results":[176],"there":[182],"5":[184],"factors":[186],"or":[187],"predictors":[188],"e-banking":[201],"namely":[202],"sense":[204],"insecurity":[206],"cyber-crime,":[209],"unaffordability":[210],"smartphones,":[212,218],"knowledge":[215],"operating":[217],"demonstration":[219],"effect":[220],"network":[222],"issues.":[223]},"counts_by_year":[{"year":2026,"cited_by_count":2}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2024-05-15T00:00:00"}
