{"id":"https://openalex.org/W7225467232","doi":"https://doi.org/10.62823/ijemmasss/8.4(i).9639","title":"Factors Driving Digital Payment Adoption among Street Vendors","display_name":"Factors Driving Digital Payment Adoption among Street Vendors","publication_year":2026,"publication_date":"2026-11-07","ids":{"openalex":"https://openalex.org/W7225467232","doi":"https://doi.org/10.62823/ijemmasss/8.4(i).9639"},"language":"en","primary_location":{"id":"doi:10.62823/ijemmasss/8.4(i).9639","doi":"https://doi.org/10.62823/ijemmasss/8.4(i).9639","is_oa":false,"landing_page_url":"https://doi.org/10.62823/ijemmasss/8.4(i).9639","pdf_url":null,"source":{"id":"https://openalex.org/S4394708486","display_name":"International Journal of Education Modern Management Applied Science & Social Science","issn_l":"2581-9925","issn":["2581-9925"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4210126241","host_organization_name":"Inspira","host_organization_lineage":["https://openalex.org/I4210126241"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Education, Modern Management, Applied Science & Social Science","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161188747","display_name":"Priyanka Verma","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I229991691","display_name":"Chhatrapati Shahu Ji Maharaj University","ror":"https://ror.org/040qxz868","country_code":"IN","type":"education","lineage":["https://openalex.org/I229991691"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Priyanka Verma","raw_affiliation_strings":["Chhatrapati Shahu Ji Maharaj University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Chhatrapati Shahu Ji Maharaj University","institution_ids":["https://openalex.org/I229991691"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101795811","display_name":"Rashmi Gupta","orcid":"https://orcid.org/0000-0001-8023-3119","observed_orcids":["https://orcid.org/0000-0001-8023-3119"]},"institutions":[{"id":"https://openalex.org/I229991691","display_name":"Chhatrapati Shahu Ji Maharaj University","ror":"https://ror.org/040qxz868","country_code":"IN","type":"education","lineage":["https://openalex.org/I229991691"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Rashmi Gupta","raw_affiliation_strings":["Chhatrapati Shahu Ji Maharaj University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Chhatrapati Shahu Ji Maharaj University","institution_ids":["https://openalex.org/I229991691"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I229991691"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"08","issue":"04(I)","first_page":"1","last_page":"10"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9839000105857849,"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":0.9839000105857849,"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":0.014000000432133675,"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/T14244","display_name":"Consumer Behavior and Marketing Influence","score":0.0008999999845400453,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"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-payment-adoption","display_name":"digital payment adoption","score":0.9980000257492065},{"id":"https://openalex.org/keywords/street-vendors","display_name":"street vendors","score":0.9990000128746033},{"id":"https://openalex.org/keywords/informal-economy","display_name":"informal economy","score":0.9610000252723694},{"id":"https://openalex.org/keywords/perceived-ease-of-use","display_name":"perceived ease of use","score":0.9430000185966492},{"id":"https://openalex.org/keywords/perceived-usefulness","display_name":"perceived usefulness","score":0.996999979019165},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.9909999966621399},{"id":"https://openalex.org/keywords/facilitating-conditions","display_name":"facilitating conditions","score":0.9900000095367432},{"id":"https://openalex.org/keywords/personal-innovativeness","display_name":"personal innovativeness","score":0.9700000286102295},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.7269999980926514},{"id":"https://openalex.org/keywords/consumer-preferences","display_name":"consumer preferences","score":0.5659999847412109},{"id":"https://openalex.org/keywords/digital-economy","display_name":"digital economy","score":0.8659999966621399},{"id":"https://openalex.org/keywords/uttar-pradesh","display_name":"Uttar Pradesh","score":0.8650000095367432}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.7032999992370605},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6402000188827515},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.5285000205039978},{"id":"https://openalex.org/C170130773","wikidata":"https://www.wikidata.org/wiki/Q216378","display_name":"Usability","level":2,"score":0.5210999846458435},{"id":"https://openalex.org/C100363876","wikidata":"https://www.wikidata.org/wiki/Q690661","display_name":"Nonprobability sampling","level":3,"score":0.5169000029563904},{"id":"https://openalex.org/C133462117","wikidata":"https://www.wikidata.org/wiki/Q4929239","display_name":"Data collection","level":2,"score":0.46070000529289246},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.4562000036239624},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.45159998536109924},{"id":"https://openalex.org/C201305675","wikidata":"https://www.wikidata.org/wiki/Q852998","display_name":"Stakeholder","level":2,"score":0.41830000281333923},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.4077000021934509},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.35440000891685486},{"id":"https://openalex.org/C2781249084","wikidata":"https://www.wikidata.org/wiki/Q908656","display_name":"Preference","level":2,"score":0.35350000858306885},{"id":"https://openalex.org/C66204764","wikidata":"https://www.wikidata.org/wiki/Q219416","display_name":"Sustainability","level":2,"score":0.35269999504089355},{"id":"https://openalex.org/C73945780","wikidata":"https://www.wikidata.org/wiki/Q814232","display_name":"Survey methodology","level":2,"score":0.3481999933719635},{"id":"https://openalex.org/C2776035688","wikidata":"https://www.wikidata.org/wiki/Q1606558","display_name":"Affect (linguistics)","level":2,"score":0.3443000018596649},{"id":"https://openalex.org/C112698675","wikidata":"https://www.wikidata.org/wiki/Q37038","display_name":"Advertising","level":1,"score":0.33739998936653137},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.320499986410141},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.3057999908924103},{"id":"https://openalex.org/C142546437","wikidata":"https://www.wikidata.org/wiki/Q2661195","display_name":"Descriptive research","level":2,"score":0.28619998693466187},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.2838999927043915},{"id":"https://openalex.org/C2776983043","wikidata":"https://www.wikidata.org/wiki/Q986008","display_name":"Payment system","level":3,"score":0.2768999934196472},{"id":"https://openalex.org/C186967261","wikidata":"https://www.wikidata.org/wiki/Q5082128","display_name":"Mobile device","level":2,"score":0.27549999952316284},{"id":"https://openalex.org/C85079727","wikidata":"https://www.wikidata.org/wiki/Q3560114","display_name":"Quarter (Canadian coin)","level":2,"score":0.2718999981880188},{"id":"https://openalex.org/C87858587","wikidata":"https://www.wikidata.org/wiki/Q730675","display_name":"Quantitative research","level":2,"score":0.2639000117778778},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.2632000148296356},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.2632000148296356},{"id":"https://openalex.org/C192531217","wikidata":"https://www.wikidata.org/wiki/Q595868","display_name":"Computer literacy","level":2,"score":0.26179999113082886},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.2596000134944916},{"id":"https://openalex.org/C2777303138","wikidata":"https://www.wikidata.org/wiki/Q13499","display_name":"Debit card","level":4,"score":0.25619998574256897}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.62823/ijemmasss/8.4(i).9639","doi":"https://doi.org/10.62823/ijemmasss/8.4(i).9639","is_oa":false,"landing_page_url":"https://doi.org/10.62823/ijemmasss/8.4(i).9639","pdf_url":null,"source":{"id":"https://openalex.org/S4394708486","display_name":"International Journal of Education Modern Management Applied Science & Social Science","issn_l":"2581-9925","issn":["2581-9925"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4210126241","host_organization_name":"Inspira","host_organization_lineage":["https://openalex.org/I4210126241"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Education, Modern Management, Applied Science & Social Science","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.6452000141143799,"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":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7140836539","https://openalex.org/W3212818706","https://openalex.org/W7220807870","https://openalex.org/W7210264898","https://openalex.org/W7223658304","https://openalex.org/W4415042768","https://openalex.org/W7116913537","https://openalex.org/W4415362883","https://openalex.org/W7223651268","https://openalex.org/W7162750390"],"abstract_inverted_index":{"Digital":[0],"payment":[1,36,142],"systems":[2,143],"have":[3],"revolutionised":[4],"the":[5,22,30,83,112,117,125,148,155,158,172,183],"monetary":[6],"and":[7,50,59,91,131,133,154,169,181,185],"business":[8],"landscape":[9],"in":[10,21],"India,":[11],"even":[12],"for":[13,99],"street":[14,70,118,136,188],"vendors,":[15],"who":[16],"are":[17],"an":[18,77],"important":[19,115],"stakeholder":[20],"informal":[23],"sector.":[24],"The":[25,53,63,161],"study":[26,55,162],"intended":[27],"to":[28,116,139,179],"uncover":[29],"dominant":[31],"factors":[32],"that":[33,107,164],"affect":[34],"digital":[35,122,129,141,159,167,175],"adoption,":[37],"such":[38],"as":[39,96,144],"perceived":[40,44],"ease":[41,108],"of":[42,72,109,121,127,147,152,157,174,187],"use,":[43],"usefulness,":[45],"social":[46],"influence,":[47],"facilitating":[48],"conditions":[49],"personal":[51],"innovativeness.":[52],"present":[54],"used":[56,95],"a":[57,145],"descriptive":[58],"quantitative":[60],"research":[61],"design.":[62],"primary":[64],"data":[65,100],"were":[66,94],"collected":[67],"from":[68],"100":[69],"vendors":[71,137],"Central":[73],"Uttar":[74],"Pradesh":[75],"using":[76,102],"in-person":[78],"structured":[79],"questionnaire,":[80],"which":[81],"applied":[82],"purposive":[84],"sampling":[85],"technique.":[86],"Descriptive":[87],"statistics,":[88],"Pearson":[89],"correlation":[90],"regression":[92],"analysis":[93,101],"statistical":[97],"tools":[98],"SPSS":[103],"software.":[104],"Results":[105],"indicated":[106],"use":[110,140],"is":[111],"factor":[113],"most":[114],"vendors'":[119,189],"adoption":[120,173],"payment.":[123],"Despite":[124],"problems":[126],"low":[128],"literacy":[130],"technical":[132],"infrastructural":[134],"challenges,":[135],"began":[138],"result":[146],"shifting":[149],"preference":[150],"habits":[151],"customers":[153],"increasing":[156],"economy.":[160],"found":[163],"with":[165],"easy-to-use":[166],"platforms":[168],"awareness":[170],"campaigns,":[171],"payments":[176],"can":[177],"continue":[178],"increase":[180],"support":[182],"sustainability":[184],"expansion":[186],"businesses.":[190]},"counts_by_year":[],"updated_date":"2026-11-09T13:22:03.289127","created_date":"2026-11-08T00:00:00"}